With this type of mortgage loan, the interest rate of the first year is established with an annual revision index plus a differential.

The amount that can be obtained is as high as 80% of the assessed value of the mortgaged building, and the mortgage is available for terms of up to 25 years.

The initial nominal interest rate is fixed for the first year and the rest is variable, adjusted to one of the benchmark rates on the market: IRPH, Savings Banks Mortgage loan Market or Euribor at 1 year. Re-payments are adjusted on each interest rate revision date, raising or lowering the amount in line with the evolution of the reference index.

The Main Advantages are:

The main advantages of the Variable Interest Mortgage are the attractive interest rate in the first year and competitive rates for subsequent revisions. The interest rate is adapted to market prices each year.

Who is it for:?

- Anyone planning to buy a house or apartment, or who already owns one, needs financing and wants to guarantee a loan against their house or apartment.

- Anyone who wants to pay interest rates in line with market rates.

Arrangement fee: 1.5% (minimum EUR 300.51)
Total prepayment: 1% of amounts prepaid.
Partial prepayment: 1% (minimum EUR 60.10)