Home Loan with a fixed rate
Do you intend to buy a house, an apartment, a plot of land or to build your own home? If so, you need a sound financial partner to finance your project. ING Luxembourg is there to help you to draw up a personal financing plan and to provide the funds you need.
What are the advantages of the “fixed rate”?
When choosing a fixed-rate loan, you opt for certainty. The rate and therefore the amount of your monthly payments will remain unchanged during the entire term of your loan; thus you will never have any unpleasant surprises.
However, this formula does not allow you to make partial early repayments. Only repayment in full is allowed, subject to a repayment penalty.
For additional information or in order to obtain a simulation, do not hesitate to use our on-line simulator or to get in touch with one of our advisers.
Often you hear people say: “Anyway, until I have paid off my home loan it’s the bank who owns my house”. But is it true?
It is always the same question that every one of us is asking before signing a home loan with his bank. To gain a more objective overview, let’s analyse them one by one with their respective advantages and disadvantages.
The rate remains fixed for a pre-defined period and, at the end of the period, is subject to a revision. The pre-defined period can vary from one bank to another but is generally 3, 5 or 10 years.
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