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real estate financing in Germany and mortgage

losing more than nine out of ten banks in Germany in the real estate finance providers and direct customers to building loan agent. This is the result of the Mortgage Survey 2009 PlanetHome AG and the Institute for Management and Economic Research (IMWF), where in October 2008, 100 top decision-makers surveyed.

The trend of the churn in the mortgage has intensified in the past two years, again easily, "says Dr. Bernd Klosterkemper, CEO of PlanetHome AG. 93 percent of commercial banks, savings banks and cooperative banks see in the real estate finance a customer loss. In 2006 there were 90.5 percent of the surveyed institutions.

cause According to the study continued price-sensitive customers. 61 percent of surveyed decision makers believe that they are losing customers to competition because the Customers are more price sensitive. "The banks can not keep price-sensitive customers only with the guidance and close," said Klosterkemper overlooking the investigation. This is what indeed 82 percent of banks and savings banks in advising their big plus - but not the house builders and home buyers willing enough to pay for it. 74 percent of the institutions give bluntly: "In consulting, we are unbeatable, but at the cost of other more attractive for customers."

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All too often use contractors, the terms mortgage and mortgage, as it is both one and the same thing. This is incorrect. For a mortgage and a mortgage but are both possibilities for securing a construction loans, but their use is completely different.

banks go on lending for real estate generally careful to plant. Safety is the first principle of construction loans. Since this is the case of loans for construction financing for higher amounts than in an installment loan can give the banks a mortgage or occupy the property with a mortgage. Specifically, this means in both cases that the lender is authorized to seize property when the borrower no longer of its construction loan rates payments.

is with the mortgage from the bank a financial claim against the borrower. As the loan debt during the repayment period is the mortgage back in equal measure. If the Construction Loan paid in full will result in the extinction of the mortgage.

is important is the order in which the individual mortgages are registered in respect of a property. The borrower can not meet its payment obligations permanently, the property is foreclosed. After ranking registered in the land register, the creditors receive their money from the sale proceeds. Who as a lender that is comes first has to get very good chances in case of failure of the loan, the outstanding money.

mortgage play in today's mortgage lending only a very minor role. The most common housing loans granted by the banks for a mortgage. The big difference between the mortgage and the mortgage is that the mortgage is repaid with the loan is not reduced in contrast to the mortgage. The advantage of a mortgage over the mortgage is the easy handling and reduced notary fees. Of a mortgage benefit the lender and the loan recipient. Apply For a refinance, the property owner is not an expensive cancellation in the land register, as is the case with the mortgage. It is sufficient if the new funding in the database. Unlike a mortgage such changes cost little money and be managed by the local court in the land register, implemented much faster. Especially with a planned restructuring of the time factor is of great importance.

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If the mortgage is not paid

first Months

telephone to ask why the Bank fails to pay.
From this month, you pay debts and interest.

2.-5. Month of non-payment of the mortgage
debt and interest due each month

The bank tried with the customer to negotiate new mortgage conditions. The mortgage can be extended over the years, the result has a low monthly payment.
Longer payment period is greater interest

If the mortgage not continue to operate, will be reprimanded in writing by the bank and enters the possibility of a foreclosure sale.
debt and interest due each month

Approximately after 6 Month filed a foreclosure in court.
debt and interest due each month.

6th to 12 month of the missing mortgage payments

will order the bank all the necessary measures to initiate the foreclosure sale.
debt and interest due each month

If the house sells

If the house during the foreclosure sale is sold and has the proceeds of the debt is payable has not been provided by the court garnishment of wages or other ownership in which the debtor made a seizure or forced sale. As long as is paid to every penny.

is not sold the house

If the house during the foreclosure sale is not sold, can make the bank with the house what she wants and the former owner by a court must leave the house.
The bank will operate out of the house and the objects in the house over it.