Unlocking the Benefits: How to Change Your Bank Mortgage with Gibobs

Today it is possible change a bank mortgage to obtain a modification or improvement in the financial conditions. In this way, a debtor can access a more favorable interest rate, adjust repayment terms or eliminate linked products, among other options. This change does not require the consent of the bank or financial institution that has granted the loan.

Now, to carry out a change of this type It is advisable to resort to the advisory services of gibobs. This financial platform has a professional team that is expert in negotiating with the main banks, being able to get better offers adapted to the needs of each client. In this way it is possible change mortgage reducing mortgage installments up to €250 per month.

Gibobs offers personalized and impartial advice

Al contract the services of gibobsa mortgagor can access a variety of offers to find better financial conditions. In addition, these specialists resolve any type of doubt or concern related to the fine print of the contracts. One of the objectives of these professionals is that your clients understand the conditions of each financial product so that they can make a better decision. Besides, they are impartial, since, not being linked to any entity, the client will be the one who chooses with which bank his new mortgage is signed.

On the other hand, this firm does not charge commissions to its clients, since it is financed through banks. Therefore, This service is totally free. To have an approximation of the benefits of changing your mortgage, the web platform of gibobs has a calculator online where an estimate of the interest rates that these professionals can get is shown. In any case, to find out the types that can be achieved with each profile, they will carry out a personalized study.

How to change your mortgage with allbanks gibobs

To start the procedures with gibobs and get the mortgage improvement, it is necessary to register on the platform and carry out the simulation. A manager will contact the client to fully understand their needs. In addition, the necessary documentation required by banking entities will be required for the correct study of the operation. Then these specialists they negotiate with banks and present their customers with the best offers. Finally, each user decides which is the bank with which he wants to formalize his new mortgage.

Once the FEIN has been issued by the bank with which the client is going to contract his new mortgage, the client, as the only procedure, must ask his current bank for the certificate of debt on the date of signing the new mortgage. That is, the date of signing before the notary.

Today, it is very difficult to find a bank that continues to carry out a mortgage subrogation. At the moment, It is not formalized with a change of bank as such, but is carried out by canceling the current mortgage and obtaining a new mortgage in another bank. This procedure is free, except for Mortgage registration cancellation fees and the commission that the bank may charge for early cancellation (if any), which are usually around €1,000.

Once this process has been carried out, it would also be necessary to pay, in most entities, the home appraisal for new mortgage.

With the support of advisor gibobsmortgage expert, it is possible change mortgage to access better financial conditions without any expense associated with the study. That is to say, gibobs will never charge for its efforts.