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  • René Müller

Fixed-rate mortgage: Stability and planning security for your real estate financing

Deciding on a mortgage is complex, and a fixed-rate mortgage is an option that offers stability and planning security. In this article we will take a closer look at fixed-rate mortgages to help you make the right decision for your real estate financing.

What is a fixed-rate mortgage and how does it work?

  1. Definition: The fixed-rate mortgage is a mortgage with a fixed interest rate over a certain period of time. This period can last from several years to decades.

  2. Fixed interest rate: The main advantage of a fixed-rate mortgage is the fixed interest rate. This means that your interest rates remain unchanged during the term, which offers planning security.

Advantages of the fixed-rate mortgage:

  1. Planning security: The fixed interest rate allows you to plan your monthly expenses precisely as you are protected against interest rate changes.

  2. Long-term stability: The fixed-rate mortgage offers long-term stability, especially in phases of rising interest rates.

Disadvantages of the fixed-rate mortgage:

  1. Higher initial interest rates: The fixed interest rate may initially be higher than variable interest rates, which means higher monthly payments in the short term.

  2. Less flexibility: Compared to variable mortgages, fixed-rate mortgages offer less flexibility when it comes to interest rate reductions.

Who is a fixed-rate mortgage suitable for?

  1. Those who plan for the long term: The fixed-rate mortgage is ideal for those who value long-term financial planning security and are prepared to accept possibly higher initial interest rates.

  2. In times of rising interest rates: In periods of rising interest rates, the fixed-rate mortgage can be a good choice to protect yourself from interest rate increases.


The fixed-rate mortgage is a solid option for those looking for stability and planning security. By understanding the advantages and disadvantages, you can decide whether this type of mortgage suits your individual needs.

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