Although for the moment very moderate, the rise in interest rates started at the end of 2016 should continue in 2017. Faced with this new situation, borrowers can still operate some levers to reduce the cost of their mortgage.
Rising rates should not discourage households wishing to carry out the real estate purchase project by going through the “bank” box. Indeed, there are several techniques to reduce the total cost of its mortgage, as recalled by the broker Good Finance.
Show your ability to save
During the mortgage negotiation phase, banks look at two parameters: income and contribution. That’s good, the French are more likely than before to believe that it is appropriate to put money aside, according to a recent survey. “A savings capacity is a major asset for the banker.
According to the broker, a contribution representing at least 20% of the amount of the transaction may result in a rate reduction of up to 0.40 points depending on the profiles of the borrowers. On the other hand, those who do not have a contribution must insist, for example, on their young age, their career prospects or their seniority with the employer.
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