High food prices and increased interest rates make people’s finances tighter. More people have experienced a tighter economy recently.
Last week, Norges Bank raised the key interest rate to 3.25 per cent.
Many people notice this in the economy.
– If you are going to negotiate on the interest rate, you must, as always, do some research and see what other banks offer before contacting your bank. Use finsanportalen.no or other comparison services, advises financial adviser Lene Drange.
DinSide has written several times about the possibility of calling the bank to negotiate the interest rate.
However, very few do this.
– Can cost you dearly
Subject director Jorge Jensen at the Consumer Council told DinSide that their figures show that only one in five say they do it.
This may affect you
There are several things that can affect your mortgage.
– If the neighbor sells above the assessment, it can have positive ripple effects for your home as the assessment goes up. This in turn affects the loan-to-value ratio. If you get below a 60 per cent loan-to-value ratio, for example, you can get a lower interest rate, explains Drange.
Lånekasse warns: Risks debt collection
– In practice, this is mainly done by e-task. You don’t have to do much other than contact the bank and ask if they can look into the matter, she points out.
May have increased
Drange explains that the housing market is doing better now than last autumn, so it may be that your home has increased in value regardless of whether the neighbor has sold above the appraised value.
It may therefore be a good idea to investigate how your home is positioned with this in mind.
2023-05-08 16:49:21
#give #cheaper #interest
