The evolution shows that in recent years the fixed interest rate has been more favorable

For a couple of years the dilemma has been served. What interests me a fixed interest rate or a variable interest rate?

It is difficult to answer this question objectively, but it is easy to answer it subjectively. I explain. Objectively the interest rate of a fixed or variable loan is indifferent. To this day, with a reference EURIBOR At twelve months close to -0,50, those who agreed to a variable rate in the last three years have a more favorable interest rate than those who agreed to a fixed interest rate. If 2 or 3 years ago You agreed on a fixed rate with the Bank, it would be about 2% and now it remains the same. It is fixed. If you agreed on a variable with the Bank, the interest will be between 0,50% and 1,50% per annum.

However, I have already said that the question is not objective but subjective. Choose fixed or variable rate depend on your character. What's more, it depends on your ability to take risks. If you are brown or brown, you will surely choose a fixed interest rate to be calm. On the other hand, if you are at risk, you are sure to take the variable rate. Therefore, there is little to advise or little to look at things from an objective point of view. At least this is my opinion.

In practice, I see that there are more buyers who opt for a fixed interest rate when it comes to financing the purchase of their home. This seems reasonable, but there are others who do not do so. It also seems reasonable because we do not know what will happen to interest rates in a period of 30 years than the term at which mortgages are usually agreed.

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