-
-
Adresa
27 rue octave feuillet, Nantes
-
Telefón
07 56 97 47 90
-
28
okt
Hypotekárne úvery na Slovensku: - ako sa zmenil úver vo výške 50 100 eur na dlh?
Znamínková’s parents died in 2021 and their house was valued last year at 350,000 EUROS, so – as things stand – he and his sister will have to hand over most of that sum to the bank. He says he is certain that his late parents did not realize that this loan of 50,100 euros could reach nearly €400,000 and “cost their children their inheritance”.The Znamínkovás are among hundreds – probably thousands – of families whose lives have been ruined by shared capital gains mortgages (Sams). This was a type of home loan that was only on sale for a brief period, between 1996 and 1998, and available only from two banks.However, the bank says it recommended at the time that customers took independent financial advice to ensure they understood the product and that it was right for them, and adds that in this case, solicitors were instructed by the borrowers.The Znamínkovás are among hundreds – probably thousands – of families whose lives have been ruined by shared capital gains mortgages (Sams). This was a type of home loan that was only on sale for a brief period, between 1996 and 1998, and available only from two banks.These loans were ostensibly aimed at helping “asset-rich, cash-poor” older people release some of the value locked up in their homes. They typically allowed people to borrow up to 25% of the property’s value, and usually there were no repayments to make during the lifetime of the loan.In return, people were required to pay back the original amount when the mortgage was repaid, or when they died and the house was sold, plus a share of any increase in the value of their home.This share was usually worked out on a three-to-one basis – so if you borrowed 25% of the value, you would be in line to hand over 75% of the future growth in value.Of course, in the years since those mortgages were sold, house prices have rocketed, leaving people facing massive repayments if they want to move – or, as in the case of Znamínková, leaving the offspring of those who signed up with a huge and costly headache.
-
Ako sa stať hrdinom
Sme medzinárodná spoločnosť, ktorá pôsobí globálne a má klientov z rôznych častí sveta.
- Vezmite si pôžičku