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If you are after stability, fixed rate mortgages are most suitable. However, if you are willing to gamble a bit and hold on to both possible risks and rewards, variable rate mortgages may be appropriate.
The previous years had shown significant decreases in interest rates. Such phenomenon has prompted a lot of people [link widoczny dla zalogowanych] to prefer fixed rate mortgages. In this way, they have been able to preserve such stable interest rates over a period of time.
Fixed rate mortgages may run from 6 months to 25 years but the agreed upon interest rates are guaranteed in spite of fluctuations in the market. Security and stability are indeed not a question here so this is best for those with limited and fixed monthly incomes.
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Studies have shown that although rates are fluctuating, variable rate mortgages still contribute more savings over a fixed one. Most people are simply afraid to take risks that is why they opt for a more stable one. However, statistics show that variable rate mortgages are more advantageous over fixed rate mortgages 88% of the time.
In addition, if you have plans of selling your home after a number of years, variable rate mortgages will work best for you where equity is easily built. You can even opt to [link widoczny dla zalogowanych] get a balloon mortgage which starts as variable and stops at a certain point. At such period of time, you will be required to settle the remaining balance in full and payment may come from the sales that you have generated out of selling the home.
To be able to know further which is better, it is always advisable to consult an expert in this area. Such expert can provide information on the movements of interest rates. He can also provide some insight on the interest rate climate which may then lead to the consideration of the option that [link widoczny dla zalogowanych] matches well your financial situation.
Nevertheless, do not [link widoczny dla zalogowanych] expect that the process shall be easy. Understanding the interest climate is not straightforward as there may be several influences in the current market. Foreign exchange, inflation, bond and equities markets, and foreign treasury [link widoczny dla zalogowanych] policies are just some of the major considerations that experts look into.
Indeed, both types have pros and cons. It will then be up to you how you shall evaluate these but it is always important that you know your financial status [link widoczny dla zalogowanych] as well as your plans [link widoczny dla zalogowanych] for the future. Your evaluation must be as realistic as possible so that you will not end up carrying a burden that is too difficult for you to handle.
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