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.

When the time comes to choose your mortgage term, you will inevitably have to decide between a fixed and variable rate.. critical illness) to ensure that their mortgage payments can still be made in case of a problem.

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 · Should you choose a fixed or variable mortgage? Here are four broad considerations: First, how long do you plan to stay in the home? If you plan on living in the home a short time before selling it, you may want to consider a variable-rate mortgage. With a shorter time frame, the loan will have less time to move up or down.

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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You can choose a variable interest rate instead of a fixed interest rate, if you think it will work better for your situation. Interest rates for student loans have been at historic lows in recent years, allowing borrowers to enjoy relatively cheap debt (with the lowest rates reserved for those with excellent credit scores ).

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).

One of the decisions I’ll face is whether to take out a fixed- or variable-rate loan. However, once again, the risk that you may get stuck there beyond the planned five years should also be part of.

Is a fixed or variable-rate loan right for you? Ultimately only you can decide whether a fixed or a variable-rate loan is the right type of loan for your situation.

However, you can also opt for what’s called an immediate annuity, which requires a big one-time payment from you but then commences regular payouts right away. A fixed annuity. you rush out to buy.

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