Recovering the money from the floor clauses and mortgage
Justice has given consumers reason in two determinants such as floor clauses and mortgage expenses, which will mark a before and after in mortgage financing of our country. Around half of mortgaged million and may recover all overpaid for the floor clauses and approximately up to 8 million families may claim expenses on your mortgage. Consumers recovering both amounts could pay more than one year of their mortgage with the return of the entity.
What expenses can the mortgaged claim?
These expenses refer, in particular, to the notary to the registry of the mortgage deeds to the managerial and to the IAJD. To get an idea of the amount that we could recover with this claim the comparative has developed a free mortgage repayment manual. This tool will provide us with an approximate amount because there are several criteria that because the exact amounts we can only know them by checking the receipts of the expenses.
For example, the IAJD is a tax that sets each autonomous community and that varies between 0.1% and 1% and changes each year. On the other hand, the value of the management, although on average approaching, also varies. There are agencies that charge for the same procedure while others charge 600, as their rates are not delimited by law.
How to claim land and mortgage costs?
To claim the over payment for the ground clauses the procedure is more advanced, following the extrajudicial route opened by the Government to speed up the claim process. Banks must communicate to their clients that they have land in the mortgage and the users who claim must have an answer in less than three months by their entity. If the customer is not satisfied with the resolution, you can get advice, calculate how much you owe the bank by the clauses floor and go to the courts.
To claim formally the return of the mortgage expenses it is necessary to present a document, in the form of a claim in the Customer Service Department of the Bank in which we signed the mortgage. If the bank does not accept, we can go through the judicial process.