News and Guide

News from DL MoneyPark and information on the financial market and Swiss romande real estate

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Multi-layered mortgage loans with various durations

Once mortgage financing is obtained, the future owner will be faced with the question of interest-rates. Again, the most common possibilites are variable rates, LIBOR, and fixed rates.

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When rates are low, should we amortise more?

Loan amortisation refers to the portion of capital that is paid back at the end of each period, for example quarterly. Mortgage loan debtors must reduce their commitments to 2/3 of the value of the property. But in absolute terms, is it a good idea to amortise?

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