(PD).- Lo de los bancos no tiene nombre. Para ser más precisos, no tiene sentido común. Ya saíamos que sólo le prestan dinero a quien no lo necesita, pero nos cabamos de enterar que -a veces- también a quien no podrá devolverlo.
Cuenta Errepece, que es quien ha localizado la noticia en el venerable The Times, que a un pensionista británico de 102 años de edad le han concedido una hipoteca de 200.000 libras esterlinas para pagar la cual tendrá que vivir hasta cumplir los 127.
¡Y luego vas al banco a pedir un préstamo y te dicen que no eres un candidato adecuado! Como en todas partes cuecen habas parece que el asunto tiene que ver con la especulación inmobiliaria.
Man, 102, takes out 25-year mortgage
A pensioner aged 102 has been granted a 25-year mortgage despite the fact he would have to live until 127 to pay the loan back.
The property investor from East Sussex has taken out an interest-only £200,000 mortgage and hopes to meet the £958 monthly repayments with income from rent as he joins a growing army of retired people hoping to cash in on buy-to-let schemes.
Most lenders set a limit at 75 years for mortgage applicants but a handful, including Woolwich, and Bristol & West, have no such restrictions. This has led to a rush of applications from older investors.
Jonathan Moore, of Mortgages for Business, an independent adviser based in Sevenoaks, Kent, told how he brokered the mortgage for the unnamed 102-year-old, one of hundreds he has arranged for pensioners. “This is a new phenomenon.Obviously there is an element of risk if property prices and rental income suddenly fall but there is no sign of that at the moment,” he said.
Richard Stone, 75, from north London, owns 10 houses and has taken out a £120,000 mortgage. The retired maths teacher admits such a commitment at his age can be “quite stressful”.
Charities supporting the elderly have warned that the stress of taking out a large loan could affect health and urge pensioners to seek advice before making such a financial commitment.
Gordon Lishman, the director-general of Age Concern, said: “It’s crucial that people think about the long-term implications.”
