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New Year's Resolution: A New Home

2017 is already here and it's your turn to make your new year's resolutions come true. Going to the gym, dieting or starting to run every afternoon are some of the most common resolutions. But, have you thought about buying a new home this year? At our real estate office in Barcelona, we want to invite you to take this possibility into account because of the many advantages you can enjoy from it.

Firstly, you should keep in mind that the first months of this year will be the last in which you will have the opportunity to get a mortgage at variable rates. The best rate on offer is well below 1 per cent. This is undoubtedly a very desirable option if you are planning to increase your income soon or you are certain that you can pay off the mortgage in a relatively short period of time.

However, if this is not the case, banks are also offering excellent deals on fixed rate mortgages that are well below 2 per cent. Obviously, the Euribor situation, which has shown negative values ​​during the last few months, will not always remain this way. Therefore, this alternative, in the long term, is ideal for those who can be tied down to a mortgage for 20 or 30 years. You may at first pay interest but in a few years, you will make exceptional savings.

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In the coming months, banks are expected to increase their fees in order to compensate for the losses they have suffered as a result of interest rate fluctuations. However, many of them still haven't implemented higher fees. It is, therefore, not surprising that some banks are willing to grant a mortgage with no opening or cancellation fee as long as they offer the necessary guarantees.

For all these reasons, buying a new house in Barcelona in early 2017 is an option that you should take into account. In fact, if you have already looked for a bigger home in a better location for you and your family, Engel & Völkers advises you not to wait too long before looking for a home since now is the right time to get a low-interest mortgage.

Do not hesitate to get in touch with the professionals who are part of our real estate office in Barcelona. They will be happy to advise you on everything you need to know and explain all your options. With our guidance and support, you will be able to make the right decision. We are here to help!

Engel & Völkers

Barcelona
Avinguda Diagonal, 640
08017 Barcelona
Spain
Phone
+34 93 515 44 44

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