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It’s the price you pay to borrow money. When we prepare your mortgage offer, you can choose between 2 main types of interest rates: a variable rate or a 5-year fixed rate. The rate you choose affects how your monthly payments behave over time.

Variable rate mortgages are based on either a 3-month or 6-month Euribor rate, plus a fixed margin that stays the same for the entire loan period. Changes to the Euribor (euro interbank offered rate) can cause the variable interest rate to decrease or increase over time.

A fixed rate is one, guaranteed percentage determined when you apply for your mortgage.

We calculate your interest rate based on your individual financial circumstances. This includes your credit payment history, the purpose of the mortgage, the property you choose, and other factors.

Properties with high energy efficiency ratings may qualify for a reduced margin. This applies to both new home purchases and refinancing applications where the real estate selection meets the bank’s specific environmental and energy class criteria.

You will be able to see the exact eligibility criteria and discount rate on the pre-approved offer, but the final offer will be issued after the full assessment of your financial situation and the property selected.

A pre-approved offer is a non-binding offer based on your credit assessment. The terms of the final offer and/or the decision to grant or not grant credit might change after the bank assesses the target assets (collateral) or if there are any changes in the financial situation of the borrower.