Wow! These are the best mortgages obtained in February 2024 by Housfy

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If you are thinking of buying a home, but you need financing and you are afraid of the high prices that usually exist, discover which are the best mortgages for February 2024 processed by Housfy. They will surely help you start buying!

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Best fixed mortgages processed by Housfy
Fixed mortgages are those where the interest rates are always the same, and therefore, the monthly payments as well. The advantage of this type of mortgage is the security offered by this invariability of the amounts , so they are the best option for those owners who do not have as much capacity to face changes in their  payments, and Japan phone-number list who want to ensure that they always pay the same amount .

Betting on a fixed mortgage is betting on the interest rate at the time of the operation , so if they rise, you will win because you will be paying less. But if they go down, you will pay more than the market value.

Recommended reading:   Learn how to negotiate the TIN in a fixed mortgage to save the most
The best fixed mortgages for February 2024, according to Housfy, are 2.40% TIN , 20 tenths below the value of last month, in January. How would this interest affect your fixed mortgage? To find out, you can use a mortgage simulator . In it, using as an example a home worth 100,000 euros, and with a loan life of 30 years, the mortgage payment would be €439.


The mixed mortgage is characterized by being made up of two parts, the first few years in which the interest rate is fixed -and lower than in fixed mortgages-, and then a variable interest rate during the rest of the life of the loan.

What is this variable interest rate? It is based on a fluctuating reference index, the Euribor , so that a certain amount is paid, usually very low, plus the value of the Euribor at that time.

This type of mortgage allows you to carry out a prior analysis of the market for the first few years and then be able to adapt to it . It is the perfect mortgage model for those who have previously saved capital and can advance it.



The best mixed mortgages for February 2024 that Housfy has processed are at 1.85% fixed for the first 10 years , and 0.80% + Euribor for the rest of the years of the loan. Following the same example as before, with a home worth 100,000 euros and with a loan life of 30 years, the mortgage payment would be €407.

And variable mortgages?
So far in February, Housfy has not closed any variable mortgage . The reason? The high value of the Euribor .

Variable mortgages have been in decline for some time , and homeowners see this option as less and less profitable , since the Euribor has been rising a lot during 2023 and is still at a fairly high value (3.658% currently). So, they decide to go for fixed or mixed mortgages with which they can have lower payments and with fewer unforeseen events, at least in the short term in the case of mixed ones.