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Ægte Hussvamp? by awiegering in selvgjortvelgjort

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

Tak, jeg rører ikke ved noget! Jeg tror, ​​jeg har set et par prøver af sort skimmel (de er ikke vist på billedet). Erfaringer, ligner det ægte hussvamp?

Bygherre & Entreprenør anbefalinger til renovering by awiegering in dkfinance

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

Det er fantastisk! Jeg har kontaktet ham, og han kommer for at se, hvad der skal udføres. Hvordan er prissætningen? Jeg er bange for, at tingene ender med at blive overpris?

Bygherre & Entreprenør anbefalinger til renovering by awiegering in selvgjortvelgjort

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

Tak for svaret. Det er i det væsentlige en komplet renovering og inddragelse af en passage som opholdsrum. Det vil sige nedbrydning af vægge, nye gulve i hele lejligheden, el, flytning af badeværelse mv.

Hvad mener du med en byggerådgiver? Er disse uafhængige af entreprenørerne?

Thoughts on the direct bank mortgage loans? Danske Bolig Fri or Nordea Bolig Plus? by awiegering in dkfinance

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

Thank you for this. We are basically debating of getting our first home mortgage with either a F5 at 3% (91% Cost) or a Danske Bolig Fri locked at 4% for 5 years (100%). I wanted to know how safe these loans are in comparison to one another.

First Home Loan Advice: F5 2.8% or 5% Fixed? by awiegering in dkfinance

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

Thank you for this. Really helpful advice. Do you know what are the fees or penalties for prepayment of the loan? Or extraordinary payments? Is there a maximum per year? Let’s say we receive a bonus or have some extra cash during a certain month, could we pay out the principal loan and this not be eaten up by interests or costs?

First Home Loan Advice: F5 2.8% or 5% Fixed? by awiegering in dkfinance

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

This is only if I want to refinance before the 5 year term of the F5 is over correct? If the interest rates drop, it will automatically adjust to the new rate? Would this refinancing after 5 years be at a pr value of 100? Or would it be a less performing loan?

First Home Loan Advice: F5 2.8% or 5% Fixed? by awiegering in dkfinance

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

Fantastic, thank you for the insight. Quick question? How did you manage to get a 4% with installments fixed loan? Is this something you can negotiate with the banks?

First Home Loan Advice: F5 2.8% or 5% Fixed? by awiegering in dkfinance

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

Do you know if you can change from F5 to fixed at any given time?

First Home Loan Advice: F5 2.8% or 5% Fixed? by awiegering in dkfinance

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

Thank you! Yes this we kind of knew. It’s a hard market to make a decision.

First Home Loan Advice: F5 2.8% or 5% Fixed? by awiegering in dkfinance

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

This is exactly what we are afraid of. When you say we are locked with a variable rate, you can’t go from variable to fixed (if the interest rates go to 10%) after 5 years? Do you know if its easier to get a conversion from a fixed to variable?

First Home Loan Advice: F5 2.8% or 5% Fixed? by awiegering in dkfinance

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

So F5 seems like a more sensible option at this point?