He euribor Today, mortgage holders who are waiting to renew soon are worried. If its monthly downward trend continues -in the daily drops to 3.57%– would give a break saving to those who already have a mortgage credit because it would lower their monthly payment and would stir up the hornet’s nest of granting variable rate mortgages again. When will be the best time to request a variable mortgage?
The Appraisal Society predicts that a drop in this indicator is expected for the second half of the year, which could cause the new granting of mortgage loans at a variable rate to increase again. However, the company has indicated that in “no case” is expected to return to 2018 levels, that is, fixed-rate mortgages are imposed over variable-rate mortgages. “The balance would be more balanced, around 50%-50%,” said strategic market analyst Leticia Sánchez Franco.
The best variable mortgages of January
While waiting to see how this first month of the year develops, variable mortgages have remained stable. From the iAhorro comparator they highlight that at this time EVO It is one of the banks to take into account when looking for a variable mortgage. Its TIN is Euribor +0.48% (2.30% during the first year) and an APR of 4.60%. The conditions that must be met are payroll direct debit, unemployment benefit or pension of more than 600 euros and the contracting of home insurance. We must not forget about the variable mortgage Sabadell. Its TIN is Euribor +0.50% (2.89% during the first year) and its APR is 5.54%. In exchange, it will be necessary to domiciliate the payroll or pension and take out home, life and payment protection insurance.
What will happen to house prices in 2024?
Appraisal Society foresees that the new home price reach in the first half of the year 2.925 euros by square meter, an increase of 4.1% compared to the previous year. However, he highlighted that this increase implies a “slowdown” in the growth of housing prices compared to the projections for the first half of 2023, when an increase in prices of 6.4% was recorded in the interannual rate. Likewise, it points out that the slowdown in the increases in housing prices is occurring differently between new and used housing, since in the former a softer slowdown is observed compared to second-hand housing, where there are observing increases of 1% or less.
2024-01-15 13:03:50
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