Investing in homes when there is inflation, fixed rate mortgages at 1% but at th

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The start of the pandemic put the real estate market in serious trouble as mortgage signings slowed down last year. During this year the market has recovered the signature of mortgages .

Even banking entities want to seek profitability with negative interest rates with fixed rates between and percent , and in these last weeks of the year several entities have lowered mortgage prices even further .

Openbank and MyInvestor mortgages have the most attractive fixed rates
The existing competition between banking entities to offer the best mortgage has pushed firms toward palpable growth, especially in fixed-rate mortgages , which are giving a greater margin than interest rates that are at minimums.

Openbank and MyInvestor are the banking entities that offer mortgages with a fixed interest rate. Openbank offers a fixed interest rate of % for years , % for to years and % for to years . On the other hand, the MyInvestor neobank offers % at years , % at years and % at years .

In the f  Israel Email List  ollowing graphs we can see the evolution of fixed-rate mortgages offered by Spanish banks:



Fixed Rate Mortgages Banks in Spain Part
Fixed Rate Mortgages Banks in Spain Part
To offer this fixed interest rate to sign its mortgages , Openbank asks that a payroll be debited and take out home insurance . On the other hand, MyInvestor requires that the mortgage applicant's income be greater than , euros per month .

Fixed interest rates in banking entities are lower than ever and for a few months now it has become the type of mortgage that is signed the most, as more and more attractive products are offered. Fixed interest rates offer the advantage of not being linked to changes in interest rates.


Investing in homes when there is inflation
Investing in housing when there is inflation is seen as a good investment opportunity. Investing in the real estate sector is a great opportunity to have benefits for the savings we may have.

Investing in a home allows us to save, improve the income we may have, and we protect our money against what may happen. According to data from the Bank of Spain, a return on housing of percent is obtained and a return on housing of percent is obtained .

The main advantage of purchasing a home that is intended for rent is that each month you receive a monthly payment and, therefore, there is an increase in the finances of the family that invests. And this means that families can save by having a fixed income each month.

The objective of any investor is for their savings to increase above inflation each year, that is, for their money to maintain its purchasing power. In the long term, there is always a tendency for homes to increase in price.

If our savings are transformed into a home, its revaluation may occur; we must always also take into account the area of ​​the home and the characteristics it has.

Now it is advisable to take out mortgages at a variable rate but not for years
Although interest rates are at a minimum, some investors or buyers do not want to have unexpected increases in the interest rate they pay each month for their mortgage .

Interest rates in the euro zone are expected to remain at negative values ​​for a few more years, although with a tendency to increase their value. But as long as the rates applied by the European Central Bank (ECB) do not increase, something that is not expected until next year, banking entities will offer interesting mortgage products with fixed or mixed rates.