What is a fixed interest rate?
In this formula, you benefit from an interest rate that will remain the same throughout the duration of the loan/mortgage.
This is a particularly interesting formula when rates are low and likely to increase over time. Currently, interest rates are historically low, making it the ideal formula.
What is a semi-fixed interest rate?
In this formula, you benefit from a fixed rate for a period of 10 years, after which a rate revision occurs.
This formula is interesting when rates are likely to increase in the future.
What is a progressive interest rate?
In this formula, you repay more interest than capital. The monthly payments are linked to the index and increase by 30 to 40 € every two years.
This is a particularly interesting formula for young people whose professional salary is expected to increase during their career.