Home Financing
If you plan on building or buying a house, solid home financing is essential.
I can help you fulfill your dreams of home ownership. It is my goal to find the most favorable financing solution that precisely meets your needs.
The following key data make up the ideal financing combination:
What is the difference between a fixed and a variable interest rate?
Fixed Interest Rate
Loans with fixed interest rates generally have a term of 10 to 30 years. The advantage of a fixed interest rate is that your repayments will be based on an unchanging formula. Once a fixed -nterest period is completed, you have the option of choosing again between a fixed or variable interest rate for the next period. Extraordinary repayments can be made during the term of the fixed interest rate.
Variable Interest Rate
If market conditions point to a lower interest rate environment, I would recommend a variable interest rate. Early repayments are an option under this financing option.
How should the amortization rate be determined?
The amortization rate with which the money is to be paid back can be customized. At the beginning, you are generally only repaying interest and no principal. But you can choose a dynamic increase in the rates. Installments can be adjusted for your income.
In what timeframe can the money be repaid?
In general, the term of a financing instrument can be negotiated. I can offer terms of up to 40 years. It is important to carefully evaluate personal requirements. If financial circumstances change over time, early repayment within the specified term is not out of the question. In such instances, you may also choose a greater partial repayment.