Overdragelseslån

Overdragelseslån, often translated as assumption loans or transferable loans, are a type of financing that allows a new borrower to take over the existing loan obligations of a previous borrower. This typically occurs in the context of real estate transactions, where a buyer can assume the seller's mortgage. The key characteristic of an overdragelseslån is that the original loan terms, such as interest rate, maturity date, and outstanding principal, remain unchanged for the new borrower.

The process usually requires the lender's approval, as they will assess the new borrower's creditworthiness to ensure they can meet the repayment obligations. If approved, the new borrower essentially steps into the shoes of the original borrower, becoming responsible for the remaining debt. This can be advantageous for buyers if the existing loan has favorable terms, such as a lower interest rate than is currently available on the market. For sellers, it can facilitate a quicker sale by simplifying the financing process.

However, overdragelseslån are not always straightforward. Lenders may charge fees for the transfer, and the approval process can be rigorous. In some jurisdictions or with certain types of loans, assumption might not be permitted at all. The prevalence of these loans has also varied over time, influenced by prevailing interest rate environments and lending practices. Understanding the specific terms and conditions of the original loan agreement is crucial before considering an overdragelseslån.