In den letzten Jahren kam es immer wieder mal vor, dass Banken, ohne in Kenntnissetzung ihrer Darlehnsnehmer, säumige Kredite massenhaft und günstig an ausländische Investoren verkauft haben. Diese erhöhten im Gegenzug, wegen ausbleibenden Raten, massiv die Zinsen, was in den meisten Fällen mit einer Zwangsvollstreckungen endete.
Die Gefahr von Zwangsvollstreckungen bei Verkauf von Immobilienkrediten:
Das kuriose an der Sache: Den Zuschlag bei den Zwangsvollstreckungen bekamen nicht selten den Kreditaufkäufern nahe stehende Organisationen, die so an unterbewertete Immobilien kamen, um diese später in Ruhe weiter zu verkauften und an der Differenz zu verdienen. In einigen Fällen lag diese Differenz bei über 100.000 Euro, was für Traumhafte Renditen sorgte.
Neue Regeln für den Verkauf von Immobilienkrediten:
Letzte Woche haben sich nun endlich Experten von der Union als auch von der SPD auf neue Regeln beim Verkauf von Immobilienkrediten verständigt. Vordergründig ging es darum, wie „ordentliche Schuldner“, beim Verkauf ganzer Schuldportfolios der Hausbanken zur Bilanzverschönerung, von einer Zwangsvollstreckung bewahrt werden können. Jedoch wollte man auch nicht die Banken zu sehr in ihren Geschäften beeinträchtigen, was zu folgenden Kompromiss führte:
Pro:
- Die Banken müssen ihre Kunden vor Abschluss eines neuen Kredites davon in Kenntnis setzen, ob Ihr Immobilienkredit verkauft werden kann. Ergo kann sich der Kunde eine Bank suchen, bei der dies nicht der Fall ist. Die Frage lautet nur, ob Banken dies in Zukunft auch anbieten werden, bzw. zu welchen Konditionen
- Die Kunden werden umfassend gegen eine ungerechtfertigte Vollstreckung aus der Grundschuld geschützt
- Eine Kündigung wegen Zahlungsrückständen ist nur noch möglich, wenn der Kunde mit mindestens zwei aufeinanderfolgenden Raten und mindestens 2,5 Prozent der Kreditsumme im Rückstand ist. Bei einem Zinssatz von derzeit 4%, wäre letzteres bei ca. 6 Monatsraten der Fall.
Zwar wurden auch noch andere Regeln aufgestellt, jedoch zielen sie alle nur auf etwas mehr Transparenz. Es war bis zuletzt häufig der Fall, dass die Kunden vom Verkauf nichts mitbekommen haben, bis die Finanzinvestoren plötzlich Druck gemacht haben
Kontra:
- Immobilienkredite können trotzdem noch, auch wenn mit einigen Auflagen, von den Banken weiterverkauft werden
- Die SPD wäre bei den neuen Regeln gerne noch weiter gegangen und pochte auf ein Sonderkündigungsrecht für die Darlehnsnehmer. Dies verhinderte aber die Union, da sie die Kreditlandschaft nicht „beeinträchtigen“ wollte
Immobilienkredit sorgfältig auswählen:
Alles in allem sollten sich die Verbraucher im Klaren sein, das ein Immobilienkredit gut überlegt sein sollte. Man muss sich immer einen gewissen finanziellen Spielraum freihalten, um auch bei ansteigenden Zinsen zahlungsfähig zu bleiben. Viele übersehen, dass sich in Zukunft bei der Anschlussfinanzierung die Raten nahe zu verdoppeln können, wenn die Zinsen z.B. von 4 auf 7 Prozent ansteigen.
Rechtzeitig handeln:
Falls man merkt, dass es eng werden könnte, sollte man nicht lange überlegen sondern gleich handeln. Umso eher man sein Haus zum Verkauf anbietet, umso länger hat man Zeit einen vernünftigen Preis zu erhalten. Viele machen den Fehler und warten bis es zu spät ist, aus welchem Grund auch immer. Denn stehen erst einmal die „Kreditheuschrecken“ vor der Tür, bleibt nicht mehr viel Zeit bis zur Zwangsvollstreckung und wenn man nicht gerade Glück hat, wird man seine geliebten 4 Wände stark unter Wert los. Dann ist man nicht nur das Haus los, sondern man bleibt auch noch auf den Restschulden sitzen.
Ich denke, dass man das ganze mit dem Verkauf der ImmoKredite nicht überbewerten sollte. Es wurden die letzten Jahre zum Teil massenhaft Kredite verkauft, jedoch die Probleme von denen Berichtet wurden, sind nach meinen Infos eher Einzelfälle. Man muss auch wissen, dass nicht alle Kreditaufkäufer Haie sind 😉
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