A mortgage is the largest financial commitment most families take on, and the track you choose affects both the monthly payment and the total amount paid over the years. The choice isn't a single track but a mix - splitting the loan across several tracks that behave differently from one another.
The Main Tracks
A fixed, non-indexed track keeps the payment stable for the entire term, suited to those who prefer certainty. A fixed, index-linked track starts with a lower payment, but the payment rises with inflation. A variable track - for example, prime-based - offers flexibility and convenient early-repayment options, but is exposed to changes in market interest rates.
Why Spread Across Tracks
Diversification is meant to balance stability and flexibility. A fixed portion reduces exposure to interest and inflation changes, while a variable portion lets you benefit from favorable terms and repay early without high penalties. The right mix depends on income, employment stability, time horizon, and the level of risk the borrower is willing to take.
What to Check Before Signing
The total monthly payment relative to disposable income, how the payment behaves under different interest and inflation scenarios, the cost of early repayment on each track, and the mix against offers from more than one bank.
How MKOR Guides You
We build the mix together with you, negotiate with several banks, and present the implications of every decision in numbers.