Saturday my boyfriend and I took the first steps towards living together. We had our first mortgage talk :-) It was of exploratory nature just to be informed about the possibilities, the different options and everything that comes with it.
We were already searching the internet and wandering around the housing sites to orient at homes. But now that I have found a job we were able to prepare our finances and let someone do the math concerning the mortgage and monthly payments. Of course I need to get an employer's statement of intent as my contract goes for only a year, but hopefully that won't be a problem.
There are so many different possibilities in the Netherlands concerning the mortgage. Do you want a savings mortgage? a grace(?) mortgage or an annuity mortgage? How about the monthly payments and the insurances? What if one of the salaries drops or falls away for a short period. I want some room in the mortgage and not get into trouble the same instent. It's a lot to take in at once and a lot to think about. But there we have a second appointment with a different bank to inform us about the opportunities. Just to get a complete picture about the possibilities, to hear the story from different players on the market in order to be able to make the best choice.
Soon we would like to plan the first visits to get a feel of how such a thing goes. What do you need to pay attention to? What way does the broker try to sell it to you? What questions do you need to ask? In short: exiting times are waiting for us!
Ciao!
Ixis
