Préstamo 2014-1001 - Préstamo hipotecario Latvia

Detalles del préstamo

Tipo de préstamo Préstamo hipotecario
Importe del préstamo € 25 100.00
Cantidad restante del principal € 1 683.50
TAE efectiva cargada al prestatario -
Tipo de interés (12.5%)
6.0%
LTV inicial 46%
LTV 3%
Periodo inicial 120 m. 2 d.
Periodo restante 64 m. 23 d.
Método de amortización Total
Fecha de inclusión 13.10.2014
Fecha de emisión 13.10.2014
Fecha de cierre 15.10.2024
Estado Impago
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Detalles del originador de préstamos

Originador
Entidad legal
AS Hipocredit
  • Prestatario y aval
  • Esquema de pago
  • Desglose de la inversión
  • Cobro de deuda
  • Detalles del aval y del prestatario

    PrestatarioFemenino, 48
    Objetivo del préstamoOther
    AvalReal estate
    Tipo de propiedad inmobiliariaHouse
    Size76 m2
    País Latvia, Ādažu nov.
    Valuation€ 55 000 / 18.08.2014
    Appraiser
  • FechaPrincipal Intereses TotalPago recibidoFecha del pagoEstado
    15.11.2014 € 82.74 € 287.60 € 370.35 € 370.35 15.11.2014 Paid
    15.12.2014 € 109.75 € 260.60 € 370.35 € 370.35 15.12.2014 Paid
    15.01.2015 € 102.25 € 268.10 € 370.35 € 370.35 16.01.2015 Paid
    15.02.2015 € 103.35 € 267.00 € 370.35 € 370.35 15.02.2015 Paid
    15.03.2015 € 130.19 € 240.16 € 370.35 € 370.35 16.03.2015 Paid
    15.04.2015 € 105.86 € 264.49 € 370.35 € 370.35 23.04.2015 Paid after the due date
    Received late payment fee: € 8.24
    15.05.2015 € 115.49 € 254.85 € 370.35 € 370.35 10.06.2015 Paid after the due date
    Received late payment fee: € 17.98
    15.06.2015 € 108.24 € 262.10 € 370.35 € 370.35 09.07.2015 Paid after the due date
    Received late payment fee: € 26.99
    15.07.2015 € 117.82 € 252.52 € 370.35 € 370.35 26.08.2015 Paid after the due date
    Received late payment fee: € 53.73
    15.08.2015 € 110.68 € 259.67 € 370.35 € 370.35 26.08.2015 Paid after the due date
    Received late payment fee: € 16.79
    15.09.2015 € 111.87 € 258.48 € 370.35 € 370.35 30.10.2015 Paid after the due date
    Received late payment fee: € 47.15
    15.10.2015 € 121.37 € 248.98 € 370.35 € 370.35 30.10.2015 Paid after the due date
    Received late payment fee: € 20.36
    15.11.2015 € 114.38 € 255.97 € 370.35 € 370.35 19.11.2015 Paid after the due date
    15.12.2015 € 123.83 € 246.52 € 370.35 € 370.35 23.12.2015 Paid after the due date
    Received late payment fee: € 12.96
    15.01.2016 € 116.94 € 253.41 € 370.35 € 370.35 29.01.2016 Paid after the due date
    Received late payment fee: € 24.07
    15.02.2016 € 118.20 € 252.15 € 370.35 € 370.35 25.02.2016 Paid after the due date
    Received late payment fee: € 14.34
    15.03.2016 € 135.66 € 234.69 € 370.35 € 370.35 24.03.2016 Paid after the due date
    Received late payment fee: € 14.81
    15.04.2016 € 120.93 € 249.41 € 370.35 € 370.35 27.04.2016 Paid after the due date
    Received late payment fee: € 17.75
    15.05.2016 € 130.24 € 240.11 € 370.35 € 370.35 30.05.2016 Paid after the due date
    Received late payment fee: € 25.92
    15.06.2016 € 123.64 € 246.71 € 370.35 € 370.35 30.06.2016 Paid after the due date
    Received late payment fee: € 25.92
    15.07.2016 € 132.88 € 237.46 € 370.35 € 370.35 09.08.2016 Paid after the due date
    Received late payment fee: € 43.99
    15.08.2016 € 126.40 € 243.95 € 370.35 € 370.35 25.01.2017 Paid after the due date
    15.09.2016 € 127.76 € 242.59 € 370.35 € 303.81 Late
    15.10.2016 € 136.91 € 233.43 € 370.35 € 237.64 Late
    15.11.2016 € 130.61 € 239.74 € 370.35 € 244.46 Late
    15.12.2016 € 139.70 € 230.65 € 370.35 € 236.75 Late
    15.01.2017 € 133.52 € 236.83 € 370.35 € 243.68 Late
    15.02.2017 € 134.95 € 235.39 € 370.35 € 242.64 Late
    15.03.2017 € 159.05 € 211.30 € 370.35 € 217.89 Late

    The loan has defaulted. Debt collection has been initiated.

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  • History of Actions

    FechaActionDescription
    24.10.2016 Communication with the client Borrower has job issues, debt will be paid by making smaller payments. Client is fully responsive but payments are going to be delayed nearest months. Hipocredit will make additional arrangement to payment schedule.
    08.11.2016 Communication with the client Hipocredit has sent warning about Agreement termination. Client has to pay until 15th November
    28.11.2016 Agreement with client regarding debt payment process Hipocredit will contact the client to reach an agreement regarding the debt payment process and deadline. The agreed upon deadline is regularly monitored, and, if necessary, the client will be contacted multiple times. Clients will incur a fine according to their contract for delayed payments.
    02.03.2017 Notice regarding debt recovery The agreement regarding the payment process has not been fulfilled and/or the client has not responded to Hipocredit's request for information. Hipocredit will send the client a notice regarding the termination of the loan contract in the event of non-repayment.
    06.04.2017 Debt collection started Contract with the borrower has been terminated and debt collection process has been started
    03.05.2017 Security auction advertised The bailiff will advertise a real estate auction. Participants apply for the auction.
    08.05.2017 Preparation of notary deed The client has not fully paid their debt as regards the issued notice of compulsory recovery. Hipocredit will submit a request for a notary deed to begin the debt recovery process.
    04.07.2017 Security auction advertised The bailiff will advertise a real estate auction. Participants apply for the auction.
    03.08.2017 Security auction advertised Second auction has started in July 17
    05.09.2017 Security auction Second auction was also unsuccesful, bailiff will recover the debt, turning to other client belongings - salary and movable property.
    12.10.2017 Regular update on the borrower status There are no updates since the latest status update.
    02.11.2017 Auction The 3rd auction is active from November 2nd until December 4th.
    07.12.2017 Successful auction Auction was successful. Now waiting for auction approval.
    10.01.2018 Regular update on the borrower status There are no updates since the latest status update.
    05.02.2018 Regular update on the borrower status There are no updates since the latest status update.
    06.03.2018 Bailiff Waiting for the bailiff to transfer the funds
    09.05.2018 Regular update on the borrower status There are no updates since the latest status update.
    15.08.2018 Regular update on the borrower status There are no updates since the latest status update.
    19.09.2018 Regular update on the borrower status There are no updates since the latest status update.
    02.11.2018 Regular update on the borrower status There are no updates since the latest status update.
    08.01.2019 Regular update on the borrower status There are no updates since the latest status update.
    30.04.2019 Regular update on the borrower status There are no updates since the latest status update.
    10.05.2019 Regular update on the borrower status There are no updates since the latest status update.

    Debt collection costs: € 0.00

    Pagos recibidos

    FechaImporte
    09.03.2018 € 22 680.28