Mortgage: key questions and answers
Who is the contractual partner (lender) for the mortgage?
VZ online mortgages are granted by HypothekenZentrum AG, a subsidiary of VZ Holding.
My mortgage will be due in several weeks or even months. Can I fix the interest rate today?
Yes, fixed-rate mortgages can be refinanced up to several quarters in advance. The interest rate for money market mortgages will be fixed two bank working days before payment.
I have several mortgages that are due gradually. Can I still take out a VZ online mortgage?
Yes, provided there is less than three years between the first and last due date. If necessary, the mortgage certificates will have to be amended.
What fees do I have to pay to take out a VZ online mortgage?
Taking out a VZ Online Mortgage is free of charge.
How long does the credit check take?
If all the necessary documents are available, a credit decision is usually made within a few days.
When will I be notified of the final interest rate?
The final interest rate is determined after a successful credit check and after both parties have signed the credit agreements.
How can I check the maturities of my mortgages?
Thanks to online access to your mortgage portfolio, you always have an overview of the maturities of your mortgages.
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