{"id":979,"date":"2012-10-10T12:13:07","date_gmt":"2012-10-10T12:13:07","guid":{"rendered":"http:\/\/www.bedandbreakfast.eu\/blog\/?p=1159"},"modified":"2016-09-16T12:22:40","modified_gmt":"2016-09-16T12:22:40","slug":"starting-a-bed-and-breakfast-what-about-your-mortgage","status":"publish","type":"post","link":"https:\/\/blog.bedandbreakfast.eu\/starting-a-bed-and-breakfast-what-about-your-mortgage\/","title":{"rendered":"Starting a bed and breakfast: what about your mortgage?"},"content":{"rendered":"
\"Starting<\/a>

Do you have to report your bed and breakfast plans to your bank?<\/p><\/div>\n

You would like to start a bed and breakfast<\/a> in your house. What does this mean for your mortgage? Do you need to report your B&B-plans with your bank? The terms can be different with every mortgage company. Therefore, check your mortgage and if needed, visit your bank.<\/p>\n

Why report it to the bank?
\n<\/strong>The bank has lent you the money to buy the house. If you don\u2019t pay your mortgage, the bank is allowed to sell your house through, for example, a public auction. So actually, the bank is the owner of your house. That is why you have to warn your bank when you do something to the house that could form a risk for the bank. So how about when you want to start a bed & breakfast in your house?<\/p>\n

Better safe than sorry<\/strong>
\nWhen offering bed & breakfast you don\u2019t rent out your house. Your guests don\u2019t have tenants\u2019 rights and cannot appeal to these rights in a court. Therefore, do you still need to report your B&B at the bank? The terms can be different with every mortgage company. Our advice: It\u2019s better to be safe than sorry, so check your mortgage. Ask your bank for permission if you think this is necessary.<\/p>\n

Free information about starting a B&B<\/strong>
\nBedandbreakfast.eu<\/a>\u00a0periodically publishes a free B&B start-up newsletter with information about running a B&B, that is interesting for start-ups too. If you’re interested, you can sign up for the B&B start-up newsletter<\/a>. Also keep visiting this blog for more tips from practice.<\/p>\n","protected":false},"excerpt":{"rendered":"

You would like to start a bed and breakfast in your house. What does this mean for your mortgage? Do you need to report your B&B-plans with your bank? The terms can be different with every mortgage company. 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