Most people who read here on regular base, know that a bit more then a year ago I moved from the town of Haaksbergen to the town Heemskerk. I rented there an apartment belonging to my colleague and friend Tom, with the option if I liked it I could buy it after some months.
After living in that apartment for 3 or 4 months I already decided that I wanted to buy it. But for several reasons (and most not depending on me :P) almost more then a year to move on in this process.
Somewhere at the end of January of this year the value of the apartment was officially determined… and from there all went very fast. Arranging the mortgage went very fast and with a nice result of 4.9% for 10 years (Jan, thanks for all the help).
And today Tom and I have been to the notary to make it all official. So officially, since 12:00 am today I am the official owner of the apartment (well, basically there is one small thing that could go wrong and the registration at the cadastre. But in all his years of work the notary never had any problems with that… so I assume there will be no problem).
And for those that claim that when you have a mortgage on a house that the house is owned by the organisation that supplied the mortgage…. you are wrong. As long I pay as agreed for the mortgage, I am lawfully the owner of the apartment (only when I fail to pay on regular base such a organisation could take steps to take ownership….). Jan, thanks for clearing this :).
And yes, after the funeral of my mother last Friday this all feels a bit weird…. and yet, I am very happy that I have a place to call really my own again!!!!