Fixed-rate Mortgages

Comprehensive analysis of fixed-rate mortgages: available terms, lending conditions, renewal options, and financing optimization strategies.

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What is a fixed-rate mortgage?

A fixed-rate mortgage is a home loan with an interest rate that remains constant throughout the contract. This means that your repayment installments stay the same from start to finish, allowing you to plan your budget with peace of mind.

What are the advantages and disadvantages?

  • Financial stability

    • Constant monthly payments throughout the loan term
    • Facilitated budget planning
    • Peace of mind and tranquility

  • Protection against interest rate hikes

    • Fixed rate throughout the contract duration
    • No impact from market fluctuations
    • Control over the total cost of credit

  • Simplicity and transparency

    • Easy-to-understand operation
    • No complex calculations
    • Clarity of financial commitments

  • Higher starting rate often

    • Fixed rate often higher than initial variable rate
    • Total cost of credit could be higher
    • Strategic choice between security and initial cost to be made

  • Inflexibility towards rate decreases

    • Inability to benefit from a direct decrease in benchmark rates
    • Complex and costly rate renegotiation
    • Fixed rate can become disadvantageous in the long term

  • Constrained early repayment

    • Penalties in case of early repayment
    • Difficulties in case of rapid resale of the property
    • Less adaptability to changes in situation

Who is a Fixed-rate Mortgage Suitable For?

The fixed-rate mortgage is particularly suitable for:

  • Borrowers seeking security and budget visibility in the long term
  • Individuals with stable and regular income
  • Those planning to keep their property for a long period
  • Borrowers averse to risk-taking and desiring perfect control over their budget
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