Replacing the mortgage

The replacement of the mortgage is an option that allows you to have loans on terms more favorable than those obtained at the time of ignition. Since 2007, thanks to the Bersani law, the replacement of the mortgage has become free, and much easier and faster.

With the replacement of the mortgage you can pay off old loans and open new, more advantageous terms. We can change the type of rate, shorten the life of the loan or stretching, up to a maximum of 40 years.

The costs and expenses of the exchange are:

• prepayment penalty, depends on the bank;
• substitute tax;
• bank charges to enter into the new loan agreement;
• costs of the notary.

Author: ildavyde

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