荷兰买房经验谈 -常见问题和超有用买房工具(2011年更新)

对了, 利息跌了

If you choose euribor tariff, you can not choose fixed rent anymore. I took 1-month-euribor tariff, and it is flucturating with the market, you can check the current tariff at: http://www.homefinance.nl/algemeen/informatie/euribor.asp
The rent i pay is 5.33%, it is the current euribor + 0.85% for the bank.
you can also find the histry of this tariff. It is as low as 2% from 2004 to 2006.

If you choose Euribor, in most banks, you can only choose aflossingvrij. But it doesn't matter. because after thirty years, you should be able to save enough to repay the bank. If you want to sell the house after 10 years, it is no problem either. Another advantage of Euribor is that you can choose to fix the rent at any time, by paying 250 euro. For example, in 2010, the rate is 3%, then you can choose to fix it for 10 years. It is much better than fixing the rent now, because it is really high now.

Another point, now at many banks, the saving interest is also high (ABN 5.0%, i also find a bank giving 5.5%)  I would rather save the extra money in the bank by myself because then i have the flexibility.

插句嘴： 如果只看这10年，现在的利息是比较高；如果看过去30年。。。。80年代利息曾经达到13%

Post by schuvani;3390105
If you choose euribor tariff, you can not choose fixed rent anymore. I took 1-month-euribor tariff, and it is flucturating with the market, you can check the current tariff at: http://www.homefinance.nl/algemeen/informatie/euribor.asp
The rent i pay is 5.33%, it is the current euribor + 0.85% for the bank.
you can also find the histry of this tariff. It is as low as 2% from 2004 to 2006.

If you choose Euribor, in most banks, you can only choose aflossingvrij. But it doesn't matter. because after thirty years, you should be able to save enough to repay the bank. If you want to sell the house after 10 years, it is no problem either. Another advantage of Euribor is that you can choose to fix the rent at any time, by paying 250 euro. For example, in 2010, the rate is 3%, then you can choose to fix it for 10 years. It is much better than fixing the rent now, because it is really high now.

Another point, now at many banks, the saving interest is also high (ABN 5.0%, i also find a bank giving 5.5%)  I would rather save the extra money in the bank by myself because then i have the flexibility.

好详细~~很有用~~
谢谢


问题，这个和那家银行有关系吗？是每家银行都有这个，还是特定的？

Post by schuvani;3390105
If you choose euribor tariff, you can not choose fixed rent anymore. I took 1-month-euribor tariff, and it is flucturating with the market, you can check the current tariff at: http://www.homefinance.nl/algemeen/informatie/euribor.asp
The rent i pay is 5.33%, it is the current euribor + 0.85% for the bank.
you can also find the histry of this tariff. It is as low as 2% from 2004 to 2006.

If you choose Euribor, in most banks, you can only choose aflossingvrij. But it doesn't matter. because after thirty years, you should be able to save enough to repay the bank. If you want to sell the house after 10 years, it is no problem either. Another advantage of Euribor is that you can choose to fix the rent at any time, by paying 250 euro. For example, in 2010, the rate is 3%, then you can choose to fix it for 10 years. It is much better than fixing the rent now, because it is really high now.

Another point, now at many banks, the saving interest is also high (ABN 5.0%, i also find a bank giving 5.5%) I would rather save the extra money in the bank by myself because then i have the flexibility.

你这里指的30 YEARS LATER, BE ABLE TO SAVE ENOUGH TO REPAY THE BANK, 是指REPAY什么呢?

Post by 打一枪换一个地方;3390155
插句嘴： 如果只看这10年，现在的利息是比较高；如果看过去30年。。。。80年代利息曾经达到13%

I agree there is a risk. but if i fix the rent now at 6% for 10 years, it is very likely in two yerars, the rent is 4% again and you fix the rent for 8 years.  then 2% difference per year for 8 years, it is 16% of the total motage. if you have a motage of 200000, you are paying 32000 more in these 10 years.

Post by schuvani;3390105
If you choose euribor tariff, you can not choose fixed rent anymore. I took 1-month-euribor tariff, and it is flucturating with the market, you can check the current tariff at: http://www.homefinance.nl/algemeen/informatie/euribor.asp
The rent i pay is 5.33%, it is the current euribor + 0.85% for the bank.
you can also find the histry of this tariff. It is as low as 2% from 2004 to 2006.

If you choose Euribor, in most banks, you can only choose aflossingvrij. But it doesn't matter. because after thirty years, you should be able to save enough to repay the bank. If you want to sell the house after 10 years, it is no problem either. Another advantage of Euribor is that you can choose to fix the rent at any time, by paying 250 euro. For example, in 2010, the rate is 3%, then you can choose to fix it for 10 years. It is much better than fixing the rent now, because it is really high now.

Another point, now at many banks, the saving interest is also high (ABN 5.0%, i also find a bank giving 5.5%)  I would rather save the extra money in the bank by myself because then i have the flexibility.

Good thinking!

大家都在嘛

再下去, 都能开个MSN群讨论了

Post by eggedreef;3390186
你这里指的30 YEARS LATER, BE ABLE TO SAVE ENOUGH TO REPAY THE BANK, 是指REPAY什么呢?

选择这个利率的话30年后还欠银行几十万，所以要么用存款付，要么卖房还钱。mm他的意思是你自己存钱，到时候如果利率高的话可以存不少了，到时候就可以还钱了。不知道我说得对不哈。这几天已经被弄晕了

Post by eggedreef;3390220
大家都在嘛

再下去, 都能开个MSN群讨论了

是啊~~~
叫房奴群