Anne, 38, tells how it survived a mortgage after a surprising death of your spouse
Loans|« It was painful to think of a time when he wouldn’t be here, » Anne says.
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Anne, a 38-year-old from Tampere, was a widow a year and a half ago after her husband died of cancer.
At the time of the spouse’s death, the common mortgage loan was EUR 154,000. In addition, they accounted for a loan of EUR 18,000 in the loan borrowed for the housing company’s facade repair.
The couple made a mutual will that Anne inherited the man’s share of the apartment. The situation was also facilitated by a lump sum, which he received from his spouse’s group life insurance.
According to an OP Bank Group survey, 45 % of women would be in trouble with a mortgage when the spouse died.
Every When taking a joint loan, the couple should be prepared for the opportunity to suddenly die, says a 38-year-old Tampere from Tampere Anne.
A year and a half ago, his spouse died of a rapidly advanced cancer at the age of 36.
After the death of her spouse, Anne says she was tight, but thanks to a mutual will and a moderate mortgage, she is able to pay the loan alone. In this way, he may have stayed in his own home bought together.
It has been a big deal for him when everything else in life collapsed.
OP Group reported recently A survey that almost half of women would be in trouble with a mortgage if the spouse died.
45 % of women who responded to the survey estimate that it would be difficult or very difficult to cope with the loan alone. 29 % of men estimated this.
In the story, HS asked readers for experiences on the subject.
Anne was one of the respondents.
Anne does not appear in her own name because the story deals with both her financial information and the death of a loved one. His identity is known to the editorial.
Anne had a common mortgage when her spouse died EUR 154,000.
Anne Had bought a 50 -square -meter apartment with his partner near the center of Tampere in 2017. The couple has no children.
The common mortgage was about EUR 170,000.
In addition, their housing company underwent a spouse’s facade renovation for which the housing company borrowed. There is currently a loan of about EUR 18,000, which Anne is reduced by capital consideration.
Anne is now happy that the mortgage is moderate.
« We would have been granted a loan of up to € 300,000. However, we and my spouse agreed that it would have been too big for us. »
In retrospect, the solution turned out to be wise. If there had been more loan, Anne thinks she would not survive alone.
At the end, the mortgage interest rates increased significantly in 2023.
Year In the fall of 2022, the spouse had strange symptoms. Studies revealed that he had a malignant tumor that could not be cut.
« My spouse wanted to maintain hope, and of course I wanted it myself. At the same time, in my back brain, I was wondering how I would come to do if the worst happened, » Anne describes.
Eventually, the couple made a mutual will that Anne inherited the man’s share of the apartment.
« They were crying conversations. It was painful to think of a time when she would no longer be here, » Anne says.
Even in the same month, the man stuck at home in his spouse’s lap.
« Everything was in an instant, » Anne says.
He points out that discussions about the economy should already be held when the crisis is not on. For example, in the event of an accident, it may be too late. And insurance is no longer available when the symptoms of the disease occur or the disease has been identified.
Male The post -death time was heavy. Anne’s memories are blurry.
He was on his spouse during and after his death on long, unpaid sick leave.
From the beginning of 2024, he returned to work, initially part-time.
Anne works in a private company financial management and her salary is about five thousand euros per month.
He also has savings and investments, but he didn’t want to interfere with them.
« I save for a bad day, » he says.
Anne He negotiated with the bank to extend the mortgage repayment until November 2048.
His housing costs are now € 1,220 per month.
The situation was also facilitated by a lump sum, which he received from his spouse’s compulsory, statutory group life insurance.
« I wouldn’t have known about it myself, but my spouse’s letter from the employer told me about this and so I could claim compensation, » Anne says.
According to a survey of OP, 45 % of women would be in trouble with a mortgage when the spouse died.
Now Anne has also wanted to secure her own financial situation in case she becomes ill.
“Life has taught.”
He has borrowed a bank loan security insurance.
« If I get sick and die, the bank pays my loan and my debt will not be burdened with my parents who inherit me, » Anne says.
He also has life insurance for the insurance company. « I want to make sure that my parents can pay a possible inheritance tax. »
Many people think that in an emergency, the home can always be sold.
Anne says she could hardly have been able to do so.
« When organizing funerals and scriptures and at the same time go through the freezing sadness, at least I wouldn’t have had the strength to start arranging a home sale and looking for a new home. I don’t think that in that fog and forced situation, I can also make the best decisions. »
If the situation can be avoided by wills and insurance, it is worthy of them.
