ABN AMRO Hypotheek Advies

Hi I would like to have the information about the Mortgage from ABN AMRO Bank as well as the different aspects on the Mortgage advice by the Bank?

Would you like to change to a new mortgage or mortgage? Then it's important that your mortgage fits your situation. Our specialists are happy to inform you. Do you already have mortgage experience and do you prefer it yourself? Then a free and free consultation with an advisor is required. This can be 7 days a week. So also in the evening and at weekends.

Request a Mortgage with Advice
The advisor takes care of everything
You will receive expert and personal advice and an advisory report
Already upload the required documents online, such as your employer's declaration or the tax report.

Change mortgage with Targeted Advice
Do you want to change your existing mortgage? Then you can also choose targeted advice. You will not get full mortgage advice, but only about the composition of your mortgage. As a result, the consulting costs are lower.

Mortgage Advice via Webcam
Do you want mortgage advice from your lazy chair? whenever and wherever you want? Or are you deaf or hearing impaired and would you like to receive mortgage advice in sign language? That's all with webcam mortgage advice. The documents you need for your conversation simply share a link on the screen.

Where does the mortgage rate go from?
The amount of your mortgage rate depends on a number of choices you make: For which mortgage product do you choose: Mortgage Mortgage or Mortgage Mortgage, choose fixed or variable interest rate and if you choose a fixed rate for which interest rate period then? Read more about these choices below.

Budget Mortgage or Home Mortgage
At ABN AMRO you can choose between the Budget and the Housing Mortgage. The Budget Mortgage differs from a few points of the Housing Mortgage. The advisor will be happy to assist you in making your choice.

Do you have a Bankspaar Mortgage?
Then you pay interest on your loan and make an amount to your savings account or savings insurance each month. With this mortgage form, a lower interest rate does not always mean lower monthly expenses.
Read more about the (bank) savings bank
The height of your loan and the value of your home
The amount of interest depends also on the ratio between the height of your loan and the value of your property. This ratio determines in which rate class your mortgage falls. In this respect, the market value of your property is considered. Each rate class belongs to a certain rate. The rate class always applies to your entire loan, so for the (remaining) amount of your total loan. The bank can always adjust the rate classes.

Do you have a fixed interest rate and run it down?
Then a change of tariff classes may mean that after interest rate adjustment you have to pay another interest.

Do you have a variable interest rate?
This interest rate may change monthly. A change of tariff classes may mean that you have to pay another interest from the month of the change

Fixed or variable interest rate
You can choose a variable rate that is not fixed. Or for a fixed rate with a certain interest-rate period.

A variable rate
This means that the monthly interest rate may fall or rise. The amount you pay for interest can therefore be different every month, which makes you unaware of the amount of your monthly expenses. The rate of variable interest rates depends, inter alia, on the interest rate developments in the money and capital markets. A variable rate is often the lowest interest rate in the overview of interest rates. But that does not always mean that you have lower monthly expenses than with a fixed interest rate.
Do you have a variable interest rate? Then you can fix the mortgage rate at any time for a certain amount of time.

Fixed rate
This means that the interest rate does not generally change over a period agreed. This agreed period refers to the interest-rate period

Interest-free period
An interest rate period is a period when your interest rate does not change as long as you do not change your mortgage. How long this period lasts, you speak to the bank. The interest rate period you have agreed with the bank is stated in your quotation. You can choose interest rates from 1 to 30 years. Fixed interest rates are protected against interest rate increases during the interest-rate period. But you do not benefit from interest rate reductions. Fixed interest rates may change during the interest rate period as the ratio between the value of your home and the loan changes; and your loan is therefore in a different rate class.

Interest-rate period with interest-bearing period
For a fixed-interest period with interest-bearing term, you decide for the last 2 years of your interest-rate period when your new interest is incurred. This way you can use the current low interest rate. It is important, however, that you keep an eye on interest rate developments.

Discount if you bank at ABN AMRO
You will receive a 0.20% discount on interest as long as your salary arrives on a bank account of ABN AMRO. This account is part of a payment package. House bank discount applies only to fixed interest rates and not to variable interest rates. The discount begins at the start of a new interest-free period.

0.20% discount at energy efficient home
Buying a energy-efficient home will save you more than just your energy costs. Are you buying a new building or an existing house with an energy index between 0 and 0.7? Then you can qualify for a mortgage interest rebate of 0.20%.

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Answered By StudyChaCha Member