Refinance News

Should You Choose a Fixed or Variable?

When you borrow money, you may have a choice between a fixed-rate loan or a variable-rate loan. Read on to find out how to choose which one is right for you. Image source: Getty Images.

One of the first lessons in financial planning 101 is to embrace the mantra: "it depends." Answers are rarely black and white when it comes to finances, which is one reason people stumble when.

One of these is choosing between a fixed- or variable-interest-rate mortgage. True to its name, fixed-rate mortgage interest is fixed throughout the life of the loan. In contrast, the interest rate on a variable-interest-rate loan can change over time.

Should You Choose a Fixed or Variable? Buying a home is the single-largest financial commitment most people ever make. And sorting through mortgages involves a lot of critical choices. One of these is choosing between a fixed- or variable-interest-rate mortgage.

Fixed Or Variable Rate, Which Is Better? A fixed rate plan is for the planner in you. It guarantees a specific price-per-therm when you commit to a contract, typically between 6 and 24 months long. As natural gas prices fluctuate in the market, your fixed rate may be higher or lower than the variable rate. The upside is your per therm rate stays stable, and you don’t run the risk of an unexpected price increase.

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It can also restrict you in how much extra you can pay into that loan and you could be up for substantial penalties if you decide to sell that property within the fixed term. With a variable rate.

Should You Choose a Fixed or Variable? Tip: Common Indexes. The most common indexes to which the interest on adjustable-rate mortgages is pegged are the 1-Year Constant maturity treasury index, the Cost of Funds Index (COFI), and the london interbank offered rate index (libor).

They shared some questions you can ask yourself to determine whether you should keep your work in-house or outsource. Is.

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One of these is choosing between a fixed- or variable-interest-rate mortgage. True to its name, fixed-rate mortgage interest is fixed throughout the life of the loan. In contrast, the interest rate on a variable-interest-rate loan can change over time.

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