Categories: Market

Pre-decision landlords: Should I get rid of the Saron mortgage?

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Saron mortgage holders were eagerly awaiting the Central Bank’s decision at the end of June 2023.

Most experts expect the central bank’s key interest rate, the reference rate, to peak later this year. Polls have shown this. Next year, the situation should soften further and interest rates should fall again.

Unlike the Saron mortgage, the interest rates on fixed-rate mortgages are based on the yield on federal bonds. As a rule, long-term interest rates are higher. Medium and long-term interest rates have already been declining since the beginning of the year. Whether you can expect further relief here remains to be seen. It should continue to be worth sticking with the Saron mortgage.

Unlike a new flat-rate mortgage, you’re probably still paying less and can get a buffer by setting aside the money you’ve saved.

Example template “mortgage affordability calculation”

Mortgage Affordability Calculator template in Guider

Are you looking to buy an apartment or house and are wondering if it is financially right for you? Observer subscribers can use the “mortgage affordability calculation” template to see what the financial burden looks like in a given situation.

Mortgage Affordability Calculator template in Guider

Are you looking to buy an apartment or house and are wondering if it is financially right for you? Observer subscribers can use the “mortgage affordability calculation” template to see what the financial burden looks like in a given situation.

More about mortgage
Saron and fixed rate mortgages
Property owners are “waiting”
Short or long term?
Which mortgage model is in demand among homeowners?
Central Bank raises interest rates
Results for tenants, savers and landlords

Source :Blick

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