We blew up housing market, not only makes for a win-win situation: a lot of homeowners have a sizable equity, and you can redeem it. Disclaimer: you must be above 57 years of age.
for example, If a home is worth more than the mortgage on the house is completed, then there will be a surplus. A large amount of excess, the mortgage loan does not exceed 50 or 60 per cent of the woningwaarde.
How do you get those stones, then, sales of money? That is a question for verzilvermogelijkheden, and also the initiatives of the market participants, ” says a spokesman for the Association of Home owners.
Eight out of ten of the Dutch home-owners are expected to make a profit, if they are in the house at the moment would be to sell it, and homeowners are in the middle of the market are the most optimistic about the level of income. That’s according to research by ABN AMRO.
The average surplus is estimated to be at 128.000 euros, and that’s a good indicator, because it is based on the annual PROPERTY value, estimated by the area of the house.
So a large amount of stones, leave it there, it is a sin, you find more and more senior citizens, with an almost paid off house. The interest of this target group to capitalize on rising, and thus began the Association of Home owners of the overwaardescan. In six weeks ‘ time, more than 100,000 people, the scan completed, it says that the VEH.
If you can equity to redeem: < / p>
You have a house to sell, and once again re-hiring
the Sale-and-lease-back is the name of this structure, and it is intended for use by people over the age of 55. The VEH isn’t a big fan of this, because the deal for the homeowners, it is not a very attractive one. Also, the General association for the Elderly (ANBO) warns senior citizens to be careful about this option, and after thinking about it.
You are selling your own home, with a surplus of by a specialised company, for example, in the Silver Housing Fund. The company is now the owner of it, and you can have your very own home. The disadvantage of this is that those who choose this option, only 80 percent of the fair market value of the house is given.
However, the advantages are: older people will suddenly be a large amount of money they have available to them in their own home to live in and not have to worry about the maintenance of it. It is now the responsibility of the property owner.
If a opeethypotheek exit, is its own equity. That amount of money, you can be in more than once, or a monthly credit to supplement your income. The interest rate on that loan, when the debt is added.
There are many different parties that it opeethypotheek to offer, such as the House Inkomensaanvuller, the Cash Mortgage in the amount of Florius, or in addition to Overwaardeplan. The Association of Home owners, it is most likely to be talking about the opeethypotheek of the ABN-Amro bank: the Equity Mortgage loan. ABN AMRO bank will ask for the woningeigenaar is not the first home mortgage from a different mortgage lender.
The Fund Volkshuisvestiging, it is not at all of the churches are active, but it has been on the rise. The municipalities shall provide for a so-called ” blijverslening on the basis of equity. That money is to be available for the adjustment of a property is to be used, therefore, in order to adapt to a seniorenwoning or sustainability measures.
as A car, vacations, or to make a donation to the children, that should not be allowed. This loan is not means-tested, and during the term, you pay no interest on, and redemption. The interest rate is year-on-year, the amount of debt accumulated, and the loan will be repaid in full after the property is sold or upon the death of the owner of the company.
The quickest way to get money out of equity to your house, to buy a cheap house to buy. One area of focus, ” says Michel Ligtlee of the VAH, is that the money from the surplus should be used for the financing of a new home. Otherwise, you will have the amount of the surplus is not entitled to deductibility.
you can sell Your house and rent it: this will instantly have a large amount of equity on it. This is a feature that not a lot of people out of their own volition, choose, ” says Michel Ligtlee of the VEH.
“People are attached to their own home and in their social environment, and will have to look for a move.”
