On line service on a mortgage ! With Best Mortgage Deals on the Web comes the complete guide to the world of the mortgage! The site offers useful guidance on what is a mortgage, what to do to be able to ask about his different formulas, depending on the purpose and duration, with an answer to every question!

In the section "mortgage deals" you can find information on mortgage tailored for different users, on its various types, on different ways, again depending on the purpose and duration.

The next section, "fixed rate", enters into the specifics of possible solutions on the request for a loan, with explanations on the fixed rate and related characteristics. The same type of information is in the next section, dedicated to the "floating rate" until the case is "Mixed rate", the next section. This is a real informative guide on the mortgage, with specific information about possible risks, the advantages and disadvantages to all the different formulas provided in the market.

The last formula is the last section, dedicated to the "Rata" Constant, who intends to apply for a adjustable rate mortgage with constant rate. In all these sections, moreover, all the information is clarified with reference to the objectives, the first house on the restructuring and duration, from ten to thirty years.

The service also offers a concise guide to the world of mortgages, with information on the different types, contracts, payment protection, etc.. Finally, in "Reviews" you can find the opinions of users about their experiences on the world of mortgages, personal confrontation on his own experience, which is also useful to choose the best solution.

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Speaking to general categories, though I now have a mortgage and this mortgage I find it hard to continue to pay, what can I do?

The legislature has provided several solutions, some of which are remitted to the bargaining parties, while others are entrusted to the discretion of the borrower. Choice that can not in any way be blocked by the bank.

According to Bersani a, a first case is given by the renegotiation of the interest rate applied to the mortgage signed when you realize that the market rates are much lower, and this may mean renegotiating the mortgage and leave the old bank to take a new one. But always without any cost to the borrower, so that has been provided that the renegotiation can be made by simple unauthenticated private.

If that does not put you agree with our bank here which opens the possibility of subrogation, that is, we can transfer our debt to another bank that better conditions will apply. And even here, the Bersani Decree, the Finance Act 2008 a and have determined that there should be a no charge to the customer, except for the deed of subrogation. But the cost of this act is so low now that banks are starting to accollarselo just to rip a customer to the competition.

Yet another possibility is given by the early repayment of the loan that you can do right now without paying any penalty. At least for new mortgages for older ones but the penalties were reduced by lot and now can easily occur convenience to advance rid of a burden too heavy.

Finally came the Decree Tremonti on the renegotiation of the loan. Warning, this final decree does not replace the opportunity present in the Bersani Law that the borrower and the bank to agree to lower the rate applied to the mortgage myself.

No, it adds an additional possibility, namely that of transforming the rate of the loan bringing it from floating to fixed the extent of 4.2%.

Ie the average rate of 2006. But be careful, because the savings that is thus created is a new loan that will begin to pay at the expiration of the original mortgage, and which will apply a rate of 5:37% today but tomorrow if rates continue to rise could force us to stretch the duration of the loan by several years. In this case the advantage is that you have now (January 2009) a strong reduction of the mortgage payment, but perhaps the cost of this benefit is so high that it only remains for banks.

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