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How long should the interest rate be fixed in a mortgage loan?

How long should the interest rate be fixed in a mortgage loan?

The decision on a specific interest rate fixation period is a personal matter that depends on several factors, including current interest rates and your financial situation. If interest rates are currently low, opting for a long-term fixation can be highly advantageous. An interest rate fixation of 10 to 15 years, or even longer, allows you to lock in favorable terms for an extended period and protects you against potential future rate increases. In contrast, if rates are higher, a shorter fixation period might be more beneficial. With a shorter fixation, you have the opportunity to switch to a more favorable follow-up financing option in a few years if interest rates decrease.

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All around your four walls.

With our combined strength, we make dreams a reality.

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All around your four walls.

With our combined strength, we make dreams a reality.

Get Started

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© 2023-2025 Vier Wände UG (haftungsbeschränkt)

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