Mortgage loan with a fixed vs. variable interest rate

A variable rate is a risk dependent on WIBOR indicators, which can launch your installment into space. A fixed rate is a guarantee of predictability, usually for 5 years, generally initially more expensive, but protecting against crises. This decision determines the breakeven point of every investment. For the loan to work best for you, the capital must cover the direct value of the house, not inflated notary costs or absurd brokerage commissions.