Compare current mortgage interest
The percentages or percentages mentioned in this overview have a limited period of validity; because they are up to date, no rights can be derived from this overview. Mentioned mortgage interest rates include all possible interest discounts. Other fixed-interest periods and interest types on request. For more information about the current interest rates and the associated conditions, you can contact one of our advisers via our contact form.
What is mortgage interest? When comparing different percentages, you should not only look at the lowest mortgage rates. There are many different mortgages that have different monthly payments, interest amounts and conditions. A mortgage must match your situation. Comparing mortgages and providers is therefore very important. Financially Fit can offer you quotes from different lenders. Many people are guided by the lowest mortgage interest rate when comparing a mortgage. The costs for associated insurance policies, the term and the conditions for early repayment can also influence the final monthly charges. So pay attention not only to the price and interest rates, but also to the conditions if you want to compare mortgages.
What is mortgage interest?
First of all it is important to know that a mortgage consists of three parts: a (mortgage) loan, a repayment and additional insurance policies. You take out the loan from a mortgage provider. You take out mortgage interest each month before taking out the loan. The lower the mortgage interest rate, the lower your monthly payments will be. Every mortgage lender can decide for himself how high the mortgage interest rate they ask for. The amount of a mortgage is determined by various factors such as the amount of the mortgage, the amount of the tax refund and the type of interest. When taking out a mortgage, you choose a specific fixed-rate period or a variable interest rate. The interest rate cannot change during a fixed-rate period. If the fixed-rate period ends, you can opt for a new interest rate again or transfer your mortgage. With a variable interest rate, the interest rate is set every month.
When you make the mortgage calculation, it is important to keep the starting points, such as the Zed value and the mortgage type, the same. Also pay attention to whether the same risks are covered in the mortgage, such as death, disability and / or unemployment. Comparing a mortgage on the basis of price is only possible if all conditions are exactly the same, such as the fixed-rate period of 10 years, 20 years or 30 years. If you are unsure whether different offers can be compared, you can come to Financial Fit for a clear explanation.
In addition to comparing a mortgage on price, the conditions are important. A cheap, but stripped down mortgage can cost a lot of money in the future because the conditions are worse. The most important conditions for a mortgage are: relocation conditions, withdrawing extra money through the mortgage, early repayment and the duration of the offer. Hereby it is important to think about the future. If you later have any plans to renovate, it is important that you register the mortgage higher at the notary. The maximum amount for which you can register the mortgage at the notary may be different for different lenders.
Are you wondering what interest you will lose this month or this year if you take out a mortgage with a certain mortgage lender? Financially Fit is happy to calculate it for you. What are the current interest rates and who has the lowest mortgage rates? In addition, we will also immediately explain the difference between nominal and effective interest (including all costs involved in taking out a mortgage). This way you can compare different mortgage rates even better.