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PostPosted: January 20th, 2012, 7:34 pm 
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Joined: January 20th, 2012, 4:24 pm
Posts: 64
Location: Italy
Dear forum members,

having read some of the issues some of you are having with mortgages in Italy, I am happy to inform you that we have a couple of options open to most people wishing to apply for a mortgage for a home in Italy:

example for 30 years mortgage to buy

variable interest rate

A > variable for all 30 years duration ,
spread 3,30% + on one month euribor basis > now 4,348% interest rate

B> MULTIOPZIONE - STARTING WITH VARIABLE INTEREST RATE
variable rate for the first three years > now 4,348% interest rate ,
then at ending of this three years period , two possibilities
1 variable > Spread 3,30% + current Euribor one month
2 fixed > Spread 3,30% + Eurirs 3 years

C > MULTIOPZIONE - STARTING WITH VARIABLE INTEREST RATE
variable rate for the first five years > now 4,348% interest rate ,
then at ending of this five years period , two possibilities
1 variable > Spread 3,30% + current Euribor one month
2 fixed > Spread 3,30% + Eurirs 5 years

Fixed interest rate

A > fixed for all 30 years duration > now 6,00% interest rate

B> MULTIOPZIONE - STARTING WITH FIXED INTEREST RATE
fixed rate for the first three years > now 4,65% interest rate ,
then at ending of this three years period , two possibilities
1 variable > Spread 3,30% + current Euribor one month
2 fixed > Spread 3,30% + Eurirs 3 years

C > MULTIOPZIONE - STARTING WITH FIXED INTEREST RATE
fixed rate for the first five years > now 5,10% interest rate ,
then at ending of this five years period , two possibilities
1 variable > Spread 3,30% + current Euribor one month
2 fixed > Spread 3,30% + Eurirs 5 years


VERY IMPORTANT NOTICE >

1>BANK TO APPLY TO THE MORTGAGE CONTRACT
THE INTEREST RATE WORKING AT SIGNATURE DATE

2>YOU CAN SELECT , AT BANK APPLICATION SIGNATURE
ONE OF THE ABOVE ( A-B-C) POSSIBILITIES

3> YOU CAN EVEN REJECT THE MORTGAGE SIGNATURE IF
THE INTEREST RATE DO NOT ARE ACCEPTABLE TO YOU

More info at > www.lifeinitaly.it


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