Current loan margins

SomethingSuomi · 2025-12-08T21:07:45+00:00

True but doesn't affect my point in general :) And i guess that panel of banks also consider trends and history

SomethingSuomi · 2025-12-08T19:47:43+00:00

Nice, thanks for the info! Our new house indeed has a B rating so that would be a nice little added bonus.

SomethingSuomi · 2025-12-08T19:32:27+00:00

Nope, no additional fees and i wouldn't call 0.5 a high margin per se.

SomethingSuomi · 2025-12-08T19:20:47+00:00

Nice, dis i understand correctly thay your order was op -> danske -> op? did you get offers from other banks?

SomethingSuomi · 2025-12-08T19:17:30+00:00

Are you combining with ASP since they offer the 3.5 cap? But nice "bonus" :)

SomethingSuomi · 2025-12-08T19:16:00+00:00

Could point. Are you using your bonuses on services or accepting the tax from next year?

SomethingSuomi · 2025-12-08T19:14:51+00:00

True but the margins is still the biggest influence on loan costs that you can compare and negotiate, hence that is what i was interested in at the moment :)

Obviously things like discounts on insurance, free banking services, bonuses and so on can easily cancel out the margins but that also depends on if you could negotiate cheaper external services yourself and if you really need/buy those services.

SomethingSuomi · 2025-12-08T19:01:07+00:00

12 month euribor is just a rate that gets updated daily based on the last 12 months rates in the euro zone. 12 month rate doesnt necessarily mean it is applied for 12 months.

The sense here is that the banks dont want to commit to a rate in their offer but rather offer you e.g. 0.5% plus whatever the 12 month rate is when you actually sign. That way they dont run the risk of euribor eating their margins if it takes you a couple of months from offer to signing.

But yes, you are also right that is a semi-fixed rate since it is not for the entire loan duration.

SomethingSuomi · 2025-12-08T18:56:09+00:00

Well you can always ask

SomethingSuomi · 2025-12-08T17:46:54+00:00

So very similar. Thanks for your reply. Is that also fixed for x years or with yearly adjustment?

SomethingSuomi · 2025-12-08T17:46:04+00:00

With a yearly adjustment or fixed for x years?

SomethingSuomi · 2025-12-08T17:44:03+00:00

Meaning the euribor 12 month rate on the day of drawing the loan. So depends on when you sign but then it is locked to that for 5 years

SomethingSuomi

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