Credits at variable rates were already less than 20% of appropriations in 2005.

In variable loans, the best conditions are equivalent to Euribor + 0,89%.

However, for variable rate loans, there’s no easy way to compare interest rates.

You may have heard about the many benefits of variable rate loans.

ECB, Floating-rate loans of more than 1 million euros and an initial rate fixation of up to one year

In addition, these penalties are not applicable when the early repayment concerns variable rate loans.

The variable rate foreign currency loans accounted for 65% of the total mortgage loans; on average such loan repayments grew by 30–40%.

Fixed mortgages, with interest rates at 6 percent, were replaced with variable-rate mortgages, whose interest payments were tied to the lower short-term T-bill rates.

After reaching parity in June 2016, the fixed[3] interest rate on mortgage loans granted to households has fallen below the variable rate.

Unlike fixed-rate loans, variable rate loans do not give you visibility into the future and therefore offer you less security in terms of anticipating and adjusting your budget.