{"id":4902,"date":"2023-03-15T11:58:50","date_gmt":"2023-03-15T11:58:50","guid":{"rendered":"https:\/\/jhcolorpowdercoating.com\/?p=4902"},"modified":"2023-03-31T15:58:27","modified_gmt":"2023-03-31T15:58:27","slug":"the-revocation-joker","status":"publish","type":"post","link":"https:\/\/jhcolorpowdercoating.com\/the-revocation-joker.html","title":{"rendered":"The revocation joker"},"content":{"rendered":"<p><div style=\"text-align:center;\"><img decoding=\"async\" style=\"margin: 5px;\" src=\"https:\/\/jhcolorpowdercoating.com\/wp-content\/uploads\/sites\/672\/2023\/03\/der-widerrufsjoker_1.jpg\" title=\"\" alt=\"The revocation joker\" \/><\/div>\n<\/p>\n<p>A real estate loan is expensive. It has a fixed interest rate for years, even if the current rate is much lower.<\/p>\n<p>The sog. Revocation joker can open possibilities to get rid of a long-running credit.<\/p>\n<h3>The consumer<\/h3>\n<p>Consumers have been able to revoke private loans since November 2002. This right of withdrawal was introduced so that consumers can reconsider such heavy decisions. The withdrawal period is usually 14 days. The exact revocation instructions must be part of the credit agreement. The legislator has provided a model text in this regard. The credit institutes took over this however only in the rarest cases this. Most banks have made their own modifications, which may well lead to ambiguity. These ambiguities now play into the hands of the customer. Courts have found that because of this, revocation can occur years after graduation. Experts call this phenomenon the revocation joker.<\/p>\n<h3>Property owners<\/h3>\n<p>Now, property owners who are already in financing could also benefit from the sharp drop in interest rates. With the revocation of the loan and a new conclusion of a financing subsequently, the interest burden can be reduced.<\/p>\n<p>Due to a change in the law can now only be revoked credit agreements that were concluded after the 10. June 2010 were concluded. Older loans would have been available until 22.June 2016 must be contradicted.<\/p>\n<h3>Revocation<\/h3>\n<p>If a revocation is striven for the effort of a lawyer is recommended. Generally, a revocation can also be done without a lawyer. Experience has shown that lenders will only laugh tiredly at this and not accept it. Once a lawyer is involved, the chances of success increase.<\/p>\n<h3>The consequences of a revocation<\/h3>\n<p>A successful rescission sets in motion the reversal of the loan. This means that the credit institution must cancel all payments, both the disbursement of the loan number as well as the repayments made up to that point, including interest, etc. The customer&apos;s previous repayments would have to be repaid by the bank with interest. The loan agreement is cancelled and terminated.<\/p>\n<p>So the customer would not only get rid of the higher interest rate, but would also get back his &quot;credit&quot; with interest. However, further financing may be necessary afterwards. In this case, this circumstance should be prevented from being recalled by u.a. Finds a better offer to complete a renewal of funding.<\/p>\n<p>A revocation can u.U. even if the loan agreement has been extended in the meantime; loans that have already been settled can also be revoked in retrospect.<\/p>\n<h3>Cost risk<\/h3>\n<p>It should be noted, however, that there is a certain cost risk for the client. The lawyer wants to be paid and, if necessary. court costs are added. To keep these costs within bounds, it is worth checking in advance whether the loan is generally subject to a right of cancellation. Legal aid or a legal aid funder can also significantly reduce costs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A real estate loan is expensive. It has a fixed interest rate for years, even if the current rate is [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[13],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The revocation joker - Jhcolorpowdercoating<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jhcolorpowdercoating.com\/the-revocation-joker.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The revocation joker - Jhcolorpowdercoating\" \/>\n<meta property=\"og:description\" content=\"A real estate loan is expensive. 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