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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