Børsen Boligejerne Sådan vælger du det helt rigtige boliglån
May 1, 2025
Lise Nytoft Bergmann, a housing economist and chief analyst at Nordea Kredit, shares her expertise on selecting the right mortgage. She discusses the importance of matching family needs with financial decisions. Listeners learn about fixed vs. variable loans, the impact of annual income on borrowing limits, and strategies for high-income homeowners. Lise also provides insights on navigating home buying in uncertain times and the risks associated with mortgage choices, urging families to make informed decisions to avoid debt pitfalls.
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Flex Loan Lowers Monthly Payment
- A flex loan generally has a variable interest rate, which is typically lower than a fixed-rate loan.
- A lower interest rate means lower monthly payments, giving borrowers more spending flexibility.
Factors for Choosing Loan Type
- Assess three factors to choose between fixed or variable interest: your economic robustness, interest rate predictions, and risk preference.
- Consider how much financial risk you can handle and what feels right in terms of your monthly budget and risk appetite.
Know the Risks of Refinancing Fixed Loans
- Refinancing a fixed-rate loan before maturity can cost more if interest rates have risen.
- Understand the price risks and options related to refinancing fixed loans like F3, F5, or F10.