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Which model suits me and my personal situation? Which models exist? You have to answer these questions before taking out a mortgage.
With a fixed mortgage, you are bound to a certain term (two to ten years) and the interest rate is fixed. In the current low rate situation, this model is especially popular with long durations.
The Libor mortgage has a fixed duration (three to five years), the rate is adjusted to the market rates every three to six months. With this model you can benefit most from low rates, but the model has its risks in the long-run. More
This mortgage has no fixed duration; it can be terminated at any time if the according periods are kept to. The rate is periodically adjusted to the market situation. This form allows a high flexibility and is therefore expensive. More
Special models or special conditions
Many banks offer special models: a reduced start mortgage, a bonus for eco-friendly building (Minergie mortgage) or reductions if there are children in living in the household (family mortgage) – only to name the most common models.More
Depending on the provider, the models above can be combined with each other as you wish. More