Mortgage interest rates have been on a downward trend for several weeks. In particular, people who want to lock in the interest rate for a shorter period now pay less. This is evidenced by figures issued by the two consulting companies Van Bruggen and De Hypotheekshop.
For example, the average rate to lock in your interest rate on your five-year mortgage this week was 4.29 percent, provided you choose the NHG guarantee. Three weeks ago the interest rate was still 4.45 percent.
The interest rate on the 10-year fixed mortgage also fell over the past three weeks, from an average of 4.52 to 4.39 percent.
If you want to lock in your interest rate for a longer period, say twenty or thirty years, you will benefit less from a decline, although in both cases interest rates have fallen by 0.09 percentage point in the past three weeks.
Van Bruggen said that three out of five lenders adjusted interest rates last week. Without exception, these were all discounts. No lender’s mortgage interest rates have increased.
The fact that interest rates are falling is mainly due to falling market interest rates. These are the interest rates charged by banks and other financial institutions, for example, business loans. Banks look at these rates when setting their mortgage rates.
The variable interest rate has remained unchanged for several weeks, with an average rate of 5.27 percent.
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