It is no longer possible to get a fixed interest rate of one percent. Monday is the exchange rate on the loan namely the noise through the roof, and it is now over the magical limit of 100, where the mortgage lenders are closing for the loan.
Thus are the homeowners in a situation where they are premeditated to a half percent interest rate. The exchange rate is, however, 96,25, which means that every time they borrow $ 100, they get 96,25 dollars paid.
Already in the last week, wondered whether the course would go over path 100. The background is the uncertainty on the stock markets, why investors are seeking for safer ports such as the Danish mortgage bonds.
- It is the classic development of the financial markets, when you get nervous. So looking for the investors into more secure papers to make their risk lower.
And there you can also see an effect in the Danish mortgage-credit bonds, where the courses have come up a little, and interest rates thus has fallen a bit also, said the chief economist at Realkredit Danmark Christian Heinig in the last week.
Already in september last year, went one-percent-loan of course 100. It happened among others in connection with the uncertainty about Brexit and handelskrigen between the UNITED states and China. Both came track of, and therefore dropped the price again towards the end of the year.
But now there is again the possibility for the good times for the homeowners.
Save thousands of dollars
If you are one of the danes, for example, considering that the putting on of a loan at 2.5 percent, you might as well make ready to recover a massive saving.
It shows the calculation by Mybanker.dk previously made for the Extra Magazine.
If a person in 2017 took out a loan of two million to 2.5 percent and put on to, for example, 0.5 percent-the loan, it will cost him approximately 75.000 kronor in fees. In turn, there will be a saving of 7,000 after tax in the quarter.
Thus it will take about three years, so is saving downloaded home.
- You must be aware that when converting its current mortgage to a new mortgage loan, increasing the outstanding balance. Therefore, many find that their debt is increasing when they put loan on the. On the other hand, the quarterly expenditure on interest and you can therefore use the savings on r.ex. to pay down more expensive debt, says Ulrik Marschall, chief press officer, Mybanker.dk
Show more CloseCommunity - 30. jan. 2020 - pm. 07:43 Coronavirus provides affordable home loans to the quick
