Has anyone in the US tried to refinance a mortgage with a lender in Europe? Wondering if it’s possible to capitalize on negative interest rates.

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I have not, and I'd imagine it's unlikely without having income in that country. Just from a logistics perspective, they would have no way to claim your collateral if you decide not to pay. (Maybe they *can*, but I can't imagine that process would be easy for them to do, so they'd have no incentive to loan outside their country.)

In theory, it’s possible. In practice, likely not worth the effort. For the most part, the negative or near zero rates apply to the central banks with your lender adding a bit for their margin and then picking up a little more on fees...you’ll also need to factor in inflation for that foreign country. You’ll also be introducing additional risk to your primary residence as your foreign loan will be in some other currency than where you make your income, exposing you to currency fluctuations - either your mortgage will get progressively more expensive or progressively less costly depending on which currency strengthens. A bit of a gamble...might be worth it if this was an investment prop or you were diversifying a global portfolio, but I personally wouldn’t want to roll the dice on my home to squeeze out a few %

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