For a advantageous savings mortgage DGA Financial Advisors is the place to be. Our experienced advisors are happy to help you, and together with you, we will find the mortgage that best suits your personal situation.
Because DGA The Hague works completely independently and is not bound to any bank or insurance company, you are assured of objective advice. In addition, we can provide you tariffs offer those up to the lowest in the Netherlands belong.
You are very welcome at our office in The Hague. Or would you prefer one of our advisors to visit you? Then we would be happy to make an appointment with you!
Many customers in The Hague, Scheveningen, Voorburg, Leidschendam, Voorschoten, Stompwijk, Zoetermeer, Nootdorp, Rijswijk, Wassenaar, Pijnacker, Delft and Wateringen have a advantageous savings mortgage via DGA Financial Advisors closed. Of course, we are also happy to help you!
With a savings mortgage, you only pay interest each month on the money you have borrowed. So you're not paying anything. But you also take out savings insurance, which ensures that you can fully repay the loan amount at the end of the term. Through savings insurance, you therefore 'save' the repayment together, and then you can repay the borrowed mortgage amount in one lump sum at the end of the term.
The monthly premium you pay for savings insurance consists of two parts, a risk section and a savings section. The risk part is used as an insurance premium for term life insurance, while the savings part provides a guaranteed amount of money. The amount of the savings premium is determined in such a way that the savings balance at the end of the term is equal to the outstanding mortgage debt. So you can always be sure that you can fully repay your mortgage at the end of the term!
A feature of the savings mortgage is that the savings rate is as high as the mortgage rate. An increase in interest rates means that you will have to pay a higher amount of interest each month on the money you have borrowed. In that case, however, you will pay less premium, because the savings rate will also automatically increase. As a result, your monthly payments remain fairly constant, even if interest rates vary.
The savings mortgage offers almost constant monthly payments with a guaranteed amount of money at the end of the term and thus a lot of security. This makes the mortgage interesting for people who cannot afford larger cost increases. This applies, for example, to starters who have little money to hand. Elderly people and singles pay a relatively high premium for term life insurance. They are often less favourable with a savings mortgage.
