{"id":2499,"date":"2015-03-12T09:43:27","date_gmt":"2015-03-12T08:43:27","guid":{"rendered":"https:\/\/www.alting.com\/mortages-fixed-or-variable-interest-rate\/"},"modified":"2026-01-28T14:05:55","modified_gmt":"2026-01-28T13:05:55","slug":"mortages-fixed-or-variable-interest-rate","status":"publish","type":"post","link":"https:\/\/www.alting.com\/en\/mortages-fixed-or-variable-interest-rate\/","title":{"rendered":"Mortgages: fixed or variable interest rate?"},"content":{"rendered":"

Barcelona, March 12 2015.- The latest data points to a reactivation of the real estate market<\/strong> in terms of property sales, although renting is also seen as a positive option.<\/p>\n

The BCE policies that are keeping the Euribor low, roughly 0.22%<\/strong>, and the attractive mortgage rates being offered by some financial institutions like: Kutxabank (Euribor 1%), ING Direct (Euribor 1.49%) and EVO Bank (Intelligent Mortgage), is leading many to consider purchasing a home.<\/p>\n

Having reached this point, several questions come up about what we remember and have learned from the crisis, including, \u201cWhat type of interest rate suits me best?\u201d<\/strong><\/p>\n

Of the mortgages registered in December 2014, 6.4% were set up with fixed interest and the other 93.6% with a variable interest rate, in most cases based on the Euribor. Data from the Spanish Statistical Office (Instituto Nacional de Estad\u00edstica – INE).<\/p>\n

Each buyer, when choosing a mortgage, must consider not only the type of interest rate but also other issues<\/strong> to best fit their income level.<\/p>\n

Interest rate:<\/strong> In the long term, fixed-rate mortgages can end up being a bit more expensive (we\u2019re currently looking at interest rates starting at 3.50%). So, the average payments, according to the INE, on a 21-year mortgage for 104,950 euros at a fixed rate of 3.90% would be, throughout the length of the mortgage, 611 euros per month. With a variable interest rate, based on the Euribor with the current average differential, the payments would be 562 euros per month. But if the Euribor went up to 1.5%, monthly payments on the same mortgage would be 592 euros. And if it went up to 2%, 620 euros per month.<\/p>\n

Mortgage length. Variable-rate mortgages can currently be paid back in up to 30 years, and in special cases up to 35 or 40 years. However, it is uncommon for fixed-rate mortgages to be more than 20 years.<\/p>\n

Percentage of capital financed<\/strong>: A variable-rate mortgage offers up to 80% of the appraisal value. With a fixed-rate mortgage, this goes down to 60%-70%.<\/p>\n

Commitment.<\/strong> There is no big difference, direct deposit of salary and a life and home insurance policy.<\/p>\n","protected":false},"excerpt":{"rendered":"

Barcelona, March 12 2015.- The latest data points to a reactivation of the real estate market in terms of property […]<\/p>\n","protected":false},"author":1,"featured_media":1755,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[321],"tags":[362,358],"class_list":["post-2499","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-current-events-en","tag-economy-en","tag-homes-en"],"acf":[],"yoast_head":"\nMortgages: fixed or variable interest rate?<\/title>\n<meta name=\"description\" content=\"The data points to a reactivation of the real estate market in terms of property sales, although renting is also seen as a positive option.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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