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The mortgage of NHG with a fixed rate period of thirty years is almost identical to that of ten years of fixed interest. In the fourth quarter, 22% of 30-year mortgage loans for NHG mortgages will be fixed for a term of thirty years and 23% for a fixed interest rate of ten years, according to the Hypotheekshop advisory chain [19659002]. more popular, and now threatens to fall back to third place. The twenty-year fixed rate is currently more than the most popular: 43% of homebuyers with NHG mortgages opt for this interim solution.
especially in the twenties and fifties, very fond of the idea of having the same mortgage rates for thirty years. For the latter group, a long fixed-rate period is synonymous with financial security until well after the date of retirement. For many people in their 50s, it is also the last time that they can enter into a mortgage without having to take into account their (future) pension income.
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who set their interests for a long time, look for a predictable pattern of spending during their "rush hour", the phase in which they have children and want to make a career. They will not face a sharp rise in mortgage interest in ten or twenty years.
And although it may seem tempting to know for thirty years what is your mortgage and what is the difference in interest rates compared to the shorter Fixed-rate periods are indeed not so bad, Financial advisors also warn hooks and eyes of such a long commitment. "Most moving arrangements are good and clear, but such a system will become more important with a fixed-rate thirty-year period," says Martin Hagedoorn of Hypotheekshop
As a buyer, you are also subject under the same conditions for 30 years. If you move, the mortgage may not always be included, with all the financial consequences. The Consumer Association recommends setting the interest rate for ten years and paying the interest saved with this credit.
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"Conditions are also fixed"
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