A question for people of interest -
If I have a mortgage in the US and have the option to freeze the mortgage for four months, is it worth it? Assuming I plan to sell or sell a mortgage for the next five years
How will this affect the fund?
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In the United States. Finally. One month payment. Once a year. Check with a mortgage agent.
You will have to. Pay all 4 payments together with the payment. Current when the arrangement is finalized.
Not like in the country. The 4 months to create the fund. Then every payment grows. According to the Spitzer board.
Unequivocally not worth it if you have the option to pay.
If you don't have an option right now, it's something else. You do not save anything and you do not know the future implications of the application.
At present no bank offers deferment
And the possibility is only
forbearance
And this is under the auspices of the law.
Tamir Alush asked the most important question and you did not answer him and hence I understand that you did not research the topic in depth.
The mortgage debt will not be added to the end of the loan but to the month in which you stop deferring payments and there you will pay a lump sum that will undermine you in one fell swoop.
In addition in the future when you take out another loan the lender has the right to ask them if you have requested a deferral of payments on a loan you have made in the past. A positive answer can affect future interest rates and conditions.
If not obligated, I would have avoided.
There are programs that offer to freeze payments and actually "postpone" the life of the mortgage for several months and there are programs that offer forbearance - which is a temporary and artificial freeze. If your monthly payment is $ 1, the offer is to pay nothing for three months and in the fourth month $ 4. Nice but not significant.
Check with your bank what exactly they offer, from a short check with a local bank that I did, the bank requires the full 4 months in July. Zatumara 1500×4 = $6000 in one payment... not really affordable
If the tenant pays you and you are financially sound, I would pay for another loan worth freezing. There is nothing right or wrong here, it is individual
You will be taken
Is it forbearance or deferment?
It is always worth not to pay :), will not affect the fund