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Woman, I just saw your text and it broke my heart. Just tell you not to worry, that time puts everyone in their place and that sure that your husband all this will turn against you. That a liar is caught before a lame man. And you may lose your home, but while there is life there is hope and you will surely be able to start from scratch and recover. This is a bad patch for many people, but you have to be strong. Do not sink A hug.


This mortgage seems very good to me.

This mortgage seems very good to me.

With the interest rates so high that banks offer, 2.20% is reasonable. The only downside is life insurance with a unique premium but you do not have to hire it for what I know, you will pay a slightly higher differential. I hope I’ve helped.

Well, I’m a Banca March customer. I had money invested in March New Emerging World FI and I lost a lot of money. Banca March had a reputation as a super bank for your savings but the manager of this fund is worthless. It seems to me that funds in emerging markets are the ones that go higher … but also the ones that go down the most. Greetings.

Frankly, I do not know the law but if I were that outgoing guarantor I would be invited to sign yes or yes and ask the notary to sign a document to make sure that I am no longer a guarantor of this mortgage. The word is not enough, the risk is too high. Luck.

As far as I know, the PIAS are not very profitable and they are only useful to force you in some way to save with periodic contributions. But if you know how to manage your finances, it is more important to invest in funds, deposits or even savings accounts, more flexible and more profitable. I just looked at the BBVA for accuracy and it gives you a 2.10% APR for the first 6 months and then it goes down (it does not specify how much). I do not think it’s worth too much … it’s my opinion. regards

But how much have you put it up for sale? Because if you have put it at € 160,000 and you do not arrive, talk to them, it’s not worth waiting, because they will hardly buy it from you, also bearing in mind that you will continue to lower the price of the house. What I find strange is that they have given more than 50% of the appraised value of the house: banks do not usually give more than half. In any case, it makes clear to the bank that what they say (sell) is not a solution. And if not, can not you reject the inheritance? Anyway, good luck

I have a Citibank deposit and I sleep very quietly.

I have a Citibank deposit and I sleep very quietly.

I do not know where the information has come from the Sergio he quotes but with the worldwide reputation that Citibank has (more than 200 years of history) I doubt that he would drop his subsidiary in Spain. Also, if something happens, you have the guarantee of the Spanish guarantee fund. So I would not worry too much, especially being a 6 month deposit (very short term). Regards!

Gabrielro, maybe you could ask your vendor to contact the previous owner so he can ask for that certificate, which is free anyway and costs nothing. I see it as the simplest way. Luck!

Jumper, it’s not bad, but personally I would not hire it. An APR of 3.56% does not seem very high for a fund of 2 years and 4 months. I prefer a deposit because it is much easier to cancel if you need it, without risk of losing capital (these funds usually have also quite strong early cancellation fees, check the contract …). Depending on the money you have, you can invest in deposits that are more profitable and for me much safer. A greeting.

You are right about the guarantee of the Constitution, but since the rescue of banking there is a difference: banks have a line of credit, but the State does not. If a bank is on the verge of bankruptcy, it can be recapitalized directly, but if Spain could not pay its debts it would have to renegotiate with Europe and that generates uncertainty. Therefore, at this time, perhaps the most solvent banks are the safest option today. Regards!



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