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  • If I was getting a mortgage right away, I would probably get a variable, because it sounds flexible.

  • I saw the rates fluctuating quite a bit and I didn't want to commit to a variable mortgage for that reason.

  • I recently just got the mortgage.

  • The interest rate was going up, so there was quite a lot built in in terms of implied volatility.

  • The one that's fixed.

  • I was aware of the benefits of the variable mortgages,

  • but I just felt it was too volatile for my personal situation.

  • Whether you're renewing your mortgage or buying your first home,

  • your mortgage will be one of the biggest financial decisions you make.

  • Feeling confident you're making the right choice about the type of interest rate means

  • you'll be more comfortable affording your home and your life.

  • If you're concerned interest rates could rise in the future, then a fixed rate mortgage

  • may be a better option for you because your rate won't change during the term.

  • However, if you're prepared to manage the possible interest rate increases and what

  • that means in terms of how much principal you're repaying each month,

  • a variable rate mortgage could help save you money in the long term

  • because more of your payment would go towards principal.

  • This will, of course, depend on your lender and their conditions.

  • And remember, if you choose a variable rate mortgage and rates start to go higher

  • than you're comfortable with, many financial institutions, including TD, offer the option to lock into a fixed rate.

  • Before deciding which rate is right for you, we recommend talking to a TD mortgage specialist.

If I was getting a mortgage right away, I would probably get a variable, because it sounds flexible.

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住宅購入101:固定金利か変動金利の住宅ローンを組むべきか? (Home Buying 101: Should you go with a fixed or variable mortgage rate?)

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    林宜悉 に公開 2021 年 01 月 14 日
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