What is fixed interest rate?
In this formula, you benefit from an interest rate which will be identical for the entire duration of the execution of the loan / mortgage credit.
This is a particularly interesting formula when rates are low and likely to increase over time. Currently interest rates are historically low and this is therefore the ideal formula.
What is the semi-fixed interest rate?
In this formula, you benefit from a fixed rate for a period of 10 years and then a rate review takes place.
This formula is interesting when rates are likely to increase in the future.
What is the graduated 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 over the course of their career.
