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Odwrócony kredyt hipoteczny opinie - Forum, Opinie, Oceny
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Wątek: Odwrócony kredyt hipoteczny opinie

  1. #1
    Młody
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    Odwrócony kredyt hipoteczny opinie

    proszę dajcie znać co myślicie o odwróconym kredycie hipotecznym.
    Czy to jest opłacalne dla takiej osoby starszej?

  2. #2
    Tysiak
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    Myślę, że nie jest to najgorsze wyjście. Osoby starsze spokojnie mogą sobie spłacać kredyt, a nawet jeśli nie zdąży spłacić to nie jest w takiej złej sytuacji.

  3. #3
    BożenaK
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    Z tego co słyszałam to jeśli osoba starsza nie zdąży spłacić tego kredytu to po prosu można sprzedać to mieszkanie czy co jest zastawione to osoby spokrewnione mogą to sprzedać i z tych pieniędzy spłacić.

  4. #4
    Mariusz_P
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    Myślę, że nie jest to najgorsze wyjście. Osoby starsze spokojnie mogą sobie spłacać kredyt, a nawet jeśli nie zdąży spłacić to nie jest w takiej złej sytuacji.
    Przecież to nie do końca tak jest. Nie polega to na kredycie, tylko raczej sprzedaży mieszkania lub domu i bank wypłaca całość ustalonej kwoty (% wartość nieruchomości) lub też w miesięcznych płatnościach oddaje gotówkę właścicielom. Po śmierci nieruchomość zostaje sprzedana i w zależności od ilości pozostałej do wypłącenia kwoty, suma ta zostaje przekazana rodzinie.

  5. #5
    Lena
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    Mi się wydaję że to bardzo fajna opcja jest, szczególnie dla starszych ludzi, którzy nie mają zbyt dużej rodziny i nie muszą dla nikogo nic zostawiać.

  6. #6
    Kredytek 44
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    proszę dajcie znać co myślicie o odwróconym kredycie hipotecznym.
    Czy to jest opłacalne dla takiej osoby starszej?
    Według mnie to nie jest opłacalne w ogóle...
    Dlatego tez odradzam na każdym kroku każdemu...

  7. #7
    1miliarder
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    ale o co chodzi z tym odwróconym kredycie, moze ktos podac szczegóły? dla kogo on jest i na jakich zasadach się go bierze ?

  8. #8
    Dariusz
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    ale o co chodzi z tym odwróconym kredycie, moze ktos podac szczegóły? dla kogo on jest i na jakich zasadach się go bierze ?
    A to nie jest ta opcja, ze bank 'kupuje' nasze mieszkanie i wyplaca nam co miesiac jakas tam rate. Po smierci - mieszkanie przechodzi na rzecz banku? Dobrze mowie? to o to chodzi?? Dla osob starszych, bez rodziny - to dobra opcja.

  9. #9
    Majkel
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    Dokladnie tak jest jak piszesz, Dariuszu. Fakt - jest to zdzierstwo ze strony bankow, ale w przypadku samotnych, starszych osob - to po co im mieszkanie? A tak zawsze dostana pare stowek do renty/emerytury.

  10. #10
    Olo
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    No jesli ktos nie ma rodziny, to co mu zalezy, czy mieszkanie po jego smierci przejmie panstwo, czy tez bank? A dzieki temu, ze istnieje mozliwosc wziecia odwroconego kredytu-zawsze ma jakis dodatkowy dochod.

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