Attached versus non-attached mortgage: what changes along the way
Explanation of linking the fund to the index, nominal certainty, initial interest rate and the real cost of mortgage routes.
short
In an index-linked track, the fund is updated according to the relevant index, so even after payments it may decrease slowly and even increase in certain periods. In a non-linked route, the principal does not change due to the index, but the initial interest rate may be higher. The correct comparison examines inflation, flow and total cost scenarios.
Written and professionally reviewed by the Ailon Financing Solutions team
Looking at the fund
A low interest rate on an attached track is not a whole number. The possible change in the fund must also be taken into account. In a non-linked track there is more certainty in relation to the fund, but there may still be interest rate changes in a variable track.
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