When it comes to fixed interest rates, it is better to choose a longer period. Fixed interest periods of 5, 10 or 15 years are common. A long fixed interest period protects against rising interest rates and offers planning security. Special repayment rights increase flexibility in repayment.
The initial repayment should be at least 3 to 4 percent. This ensures quick debt relief. A higher repayment leads to higher rates, but debt freedom more quickly.
Incorporate funding and subsidies into financing
State funding programs such as the KfW programs bosnia and herzegovina mobile database for energy-efficient construction are advantageous. They offer low interest rates and reduce financing costs. Regional funding programs can also be interesting, depending on income and family status.
financing module Recommendation
Equity capital 30-40% of the purchase price
bank loans annuity loan
fixed interest rates As long as possible (5, 10, 15 years)
Initial repayment At least 3-4%
funding programs KfW, use regional programs
By cleverly combining these building blocks and funding, the dream of owning your own home becomes realistic and cost-effective.
Choose interest rate fixation and repayment options wisely
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