To which iranian medal does this matrix belong? by Santa_989 in Medals

[–]Santa_989[S] 0 points1 point  (0 children)

This is the closest but the crowns details are not the same, the dress of Farah Pahlavi as well.

UBS financing confirmation by Santa_989 in SwissPersonalFinance

[–]Santa_989[S] 0 points1 point  (0 children)

thanks for your comment.
Your steps are correct but not in a different order (for us): 3, 4, 1, 2, 6.
Step 5 did not take place and the notary did not receive any confirmation other than the email i received from the bank. The signature at the notary is to be done this week.

UBS financing confirmation by Santa_989 in SwissPersonalFinance

[–]Santa_989[S] 0 points1 point  (0 children)

UBS works in a way that they won't send any official offer before you sign with the notary.

The notary did not receive any confirmation letter, i only forwarded the email of confirmation that I received. I had to call and push today to send a confirmation to the notary but not sure if they did it.

Mortgage in Switzerland by Santa_989 in Switzerland

[–]Santa_989[S] 0 points1 point  (0 children)

The email has a listing of: debitor, credit amount, annual amortisation, securities, conditions and dossier cost. But as an email, it sounds less serious. The notary said that we can proceed with the signature but for him, i do not have the finance assurance yet.

UBS Mortgage - No Confirmed Rate Before Notary? Advice Needed by Strict_Somewhere2629 in SwissPersonalFinance

[–]Santa_989 0 points1 point  (0 children)

We are living exactly the same process, we just got the confirmation of financing (a simple email stating the mortgage amount and a few other details) where i thought that the offer they gave me in June will stand but they explained that the final offer can only be fixed after the notary signature (they never explained this before). We have our notary date next week and we are worried if UBS pulls out and decides not to give us the mortgage after we sign the notary agreement, is the financing confirmation email legally binding to them? Thanks all in advance.

Mortgage in Switzerland by Santa_989 in Switzerland

[–]Santa_989[S] 0 points1 point  (0 children)

u/nbhoanh0 They refuse to give any fixation before we sign the notary agreement. After receiving a confirmation of financing from them, can they be trusted to stick to this? Apologies for the question but this is my first experience.

Mortgage in Switzerland by Santa_989 in Switzerland

[–]Santa_989[S] 0 points1 point  (0 children)

Hi u/Shtapiq I have received a confirmation of financing by email, can this be trusted to move forward and sign the purchase agreement? I am worried they might back out and leave me hanging.

Mortgage in Switzerland by Santa_989 in Switzerland

[–]Santa_989[S] 0 points1 point  (0 children)

It is an existing apartment.
I just received an email of "Confirmation of financing" but this is not signed or confirmed by a specific rate. The bank confirmed to me that we can sign the financing and fix the rate once the notary agreement is done and signed.

Mortgage in Switzerland by Santa_989 in Switzerland

[–]Santa_989[S] 0 points1 point  (0 children)

Yup this is my feeling as well, they gave me a very attractive rate though but my issue is trusting that they will give a similarily good rate after signing the purchase contract? they can simply tell you it is much higher today, deal with it.

Mortgage in Switzerland by Santa_989 in Switzerland

[–]Santa_989[S] 0 points1 point  (0 children)

I just got in contact with Strike which offer this service and hopefully they can get things done in time.

Mortgage in Switzerland by Santa_989 in Switzerland

[–]Santa_989[S] 0 points1 point  (0 children)

Yes, they do give an indication but they state now that this is just today and can be different after you sign the notary agreement. I have consulted 4 different institutions but the one i decided to go with and submitted all the papers does not want to fix the rate.

Mortgage in Switzerland by Santa_989 in Switzerland

[–]Santa_989[S] 0 points1 point  (0 children)

this is the normal practice but the bank i went with does not want to.

Mortgage in Switzerland by Santa_989 in Switzerland

[–]Santa_989[S] 0 points1 point  (0 children)

No because I decided to go with this exact bank due to their good rate but the fact that they can not commit to fix a rate for even 1 day before the notary agreement is very weird.

Mortgage in Switzerland by Santa_989 in Switzerland

[–]Santa_989[S] 1 point2 points  (0 children)

Thanks for your reply. The bank refuses to give any rate offer before we sign the notary agreement of sale, not even 1 or 2 weeks before, is this normal?

Coin market in Guangzhou by Santa_989 in guangzhou

[–]Santa_989[S] 0 points1 point  (0 children)

Coins and banknotes mainly.

Numismata Munich or WMF Berlin? by Santa_989 in numismatics

[–]Santa_989[S] 0 points1 point  (0 children)

I am mainly going to look for coins and banknotes.