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this post was submitted on 02 Oct 2024
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In Spain you can decode between fixed or variable rates, and although fixed rates are usually a bit higher, having the peace of mind that suddenly the mortgage won't raise next month and being able to plan around a fixed monthly cost is such a big peace of mind.
Fixed rates are the best.
Fixed rates are safer, for sure.
But during the pandemic, when rates went to near zero, I was very glad to be on a variable.