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Deferred Loan Agreement

A payment deferral agreement is an agreement with the local authority that allows people to use the value of their homes to pay for care home fees. You should deduct interest and fees for the deferred payment system, home maintenance and insurance costs, and fees for each rental agent you use. The most common situation in which you want to consider a payment deferral agreement is when your savings and other assets (except for your home) are small, but the value of your home leads you to exceed the threshold for paying some or all of your nursing home expenses. A payment deferral agreement means you don`t need to sell your home during your lifetime to pay for care. Perhaps you also want to compare the use of a payment deferral agreement with the alternative, for example.B. Sell your home and transfer the proceeds to a savings account. In Northern Ireland, there is no formal system for deferring payments. But it could still be available – ask your local health and social trust. When concluding a payment deferral agreement, the total amount that can be delimited between the capital (normally ownership) must be agreed in advance.

This amount is called the own funds limit and the local authority does not have the right, under the Care Act, to defer total payments beyond this amount. . . .