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fixed or floating rate? The international market for mortgages

Never as in this time I have heard from my clients, the big question about the type of rate that I could recommend at this time. Well if I could know how rates will be a year, probably getting rich investing in futures. ... Then the evident impossibility of knowing the future, the choice between fixed rate and variable should be made taking into account the which is the income of the family and its future expectations
Usually the fixed rate is appropriate if you want to know immediately if the payment amount and the income on which the account is a steady income, while the floating rate is more suitable for those with an average income up and taking the risk or benefit of a hypothetical increase or decrease in rates
I prefer to recommend products to my customers in this period of extreme uncertainty are the mixed-rate mortgages that we start with a fixed rate for an average of 3 years and is then free to choose to 3 years in 3 years between the fixed rate and variable rate, so as not to be forced to make an immediate final decision will be with us for 30 years!

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Mortgages and finance news: I am sincerely happy to publish my first post on this blog safe and confident that I can put my experience in credit available to all those who are at this time to address such an important step like buying a new home.
The international markets are in turmoil at this time, the United States shouting to the world their concern in the mortgage market and would like the whole world to share it as always their problem but fortunately it is not like that or better this time because it is not so Our country has a policy of granting the loan for buying a first home is completely different from the American one. Our banks, first of all analyze the profitability of customers who ask for a loan and in the value of the second order, here in the United States, exactly the opposite has been granted too many loans to parties to default risk based only on the value of the property.
I do not believe to be wrong too when I say that our banking system is much more protected than the American from hazards due to insolvency.
my care in the next post will indicate what are the criteria that every family should consider before choosing a mortgage because each family has different needs from the other and to base this important decision solely on the rate or on the spread seems very risky.