{"id":13020,"date":"2020-11-04T11:57:30","date_gmt":"2020-11-04T10:57:30","guid":{"rendered":"https:\/\/www.athome.lu\/blog\/?p=13020"},"modified":"2022-05-11T11:20:26","modified_gmt":"2022-05-11T09:20:26","slug":"les-prets-juges-by-athomefinance-part-2","status":"publish","type":"post","link":"https:\/\/www.athome.lu\/blog\/en\/acheter\/pret-immobilier\/les-prets-juges-by-athomefinance-partie-2\/","title":{"rendered":"Loans judged by atHomeFinance - Part 2"},"content":{"rendered":"<p><span style=\"color: #000000;\">In a first article, we presented you <a href=\"https:\/\/www.athome.lu\/blog\/blog\/les-prets-juges-by-athomefinance-partie-1\/\">three loans judged<\/a> about mortgage broking. But our little finger tells us that we haven't broken all your preconceived ideas yet. So here are three new answers to your judged loans with a bonus to discover at the end of the article.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">Judgement call 4: The home loan broker would have the same role as the banker<\/span><\/h2>\n\n\n\n<p><span style=\"color: #000000;\">The mortgage broker and the bank advisor have two very different roles. The broker is the intermediary between you and the banks. He advises you and then negotiates the best conditions for your project. In total, atHomeFinance can present your project and then negotiate with 8 banks. This saves you a lot of time. Afterwards, it is up to you to choose among the offers proposed.<\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\">The broker makes your life simple, efficient and stress-free. Trust atHomeFinance, the brokers take care of everything.<\/span><\/p>\n\n\n\n<p class=\"has-text-align-right\"><span style=\"color: #000000;\"><em>St\u00e9phane<\/em><\/span><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Judgement call 4: The home loan broker would have the same role as the banker\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/nqkYYoSfGzY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">Judged loan #5: During the health crisis, residents reportedly stopped borrowing<\/span><\/h2>\n\n\n\n<p><span style=\"color: #000000;\">It is true that the health crisis has slowed down activity and frightened some people, but it has also encouraged others to buy a new property.<\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\">Indeed, the atHomeFinance team has helped more than 550 clients finance their real estate projects to the tune of over \u20ac315 million from March 2020 to August 2020.<\/span><\/p>\n\n\n\n<p class=\"has-text-align-right\"><span style=\"color: #000000;\"><em>Herv\u00e9<\/em><\/span><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Loan judgement #5: During the health crisis, residents reportedly stopped borrowing\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/fTd5rq8gUrI?start=1&feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">Judgement call 6: A fixed rate would be safer than a variable rate<\/span><\/h2>\n\n\n\n<p><span style=\"color: #000000;\">When we take out a mortgage, we want to get the best rate. Automatically, we tend to be interested in the fixed rate, which is a symbol of stability, and we do not want to hear about variable rates. However, the best rate is not the one that seems safest but the one that best suits your project.<\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\">It will be necessary to determine whether, for your situation, it is preferable to <a style=\"color: #000000;\" href=\"https:\/\/www.athome.lu\/blog\/blog\/credit-immobilier-taux-fixe-variable-ou-revisable\/\">a fixed rate, a variable rate or an adjustable rate<\/a>. But rest assured, the broker is there to guide you.<\/span><\/p>\n\n\n\n<p class=\"has-text-align-right\"><span style=\"color: #000000;\"><em>Jean<\/em><\/span><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Loan Judgement No. 6: A fixed rate would be safer than a variable rate\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/VRczTYY-omA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n<section id=\"section-3-14695\" class=\"ct-section\" ><div class=\"ct-section-inner-wrap\"><div id=\"div_block-4-14695\" class=\"ct-div-block\" ><div id=\"new_columns-7-14695\" class=\"ct-new-columns\" ><div id=\"div_block-8-14695\" class=\"ct-div-block\" ><div id=\"div_block-14-14695\" class=\"ct-div-block\" ><\/div><\/div><div id=\"div_block-9-14695\" class=\"ct-div-block\" ><h1 id=\"headline-11-14695\" class=\"ct-headline\">What are the property prices at the moment?<\/h1><div id=\"text_block-12-14695\" class=\"ct-text-block\" >Prices are slowing down. Interest rates are rising. What are the trends for the coming months?<\/div><a id=\"link_button-13-14695\" class=\"ct-link-button\" href=\"https:\/\/www.athome.lu\/blog\/blog\/marche-immobilier\/prix\/tendances-2022\/\" target=\"_blank\"  >Read the analysis<\/a><\/div><\/div><\/div><\/div><\/section>\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">Bonus: Rates would go up after the health crisis<\/span><\/h2>\n\n\n\n<p><span style=\"color: #000000;\">The last crises we went through have left us with bad memories on the real estate front. It is normal that after this health crisis, you are already imagining a sharp rise in rates.<\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\">But you can rest assured that rates have remained stable and at the same level as before the crisis.<\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\">And don't forget, home loan brokerage at atHomeFinance is free!<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Dans un premier article, nous vous avons pr\u00e9sent\u00e9 trois pr\u00eats jug\u00e9s sur le courtage en pr\u00eat immobilier. Mais notre petit doigt nous dit que nous n'avons encore cass\u00e9 toutes vos id\u00e9es re\u00e7ues. Alors voici trois nouvelles r\u00e9ponses \u00e0 vos pr\u00eats jug\u00e9s avec un bonus \u00e0 d\u00e9couvrir en fin d'article. Pr\u00eat jug\u00e9 n\u00b04 : Le courtier [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":13036,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[207],"tags":[36,119],"class_list":["post-13020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pret-immobilier","tag-credit-immobilier","tag-prejuges"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les pr\u00eats jug\u00e9s by atHomeFinance - Partie 2 - atHome Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.athome.lu\/blog\/en\/buy\/home-loan\/les-prets-juges-by-athomefinance-part-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les pr\u00eats jug\u00e9s by atHomeFinance - Partie 2 - atHome Blog\" \/>\n<meta property=\"og:description\" content=\"Dans un premier article, nous vous avons pr\u00e9sent\u00e9 trois pr\u00eats jug\u00e9s sur le courtage en pr\u00eat immobilier. Mais notre petit doigt nous dit que nous n&#039;avons encore cass\u00e9 toutes vos id\u00e9es re\u00e7ues. Alors voici trois nouvelles r\u00e9ponses \u00e0 vos pr\u00eats jug\u00e9s avec un bonus \u00e0 d\u00e9couvrir en fin d&#039;article. 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Mais notre petit doigt nous dit que nous n'avons encore cass\u00e9 toutes vos id\u00e9es re\u00e7ues. Alors voici trois nouvelles r\u00e9ponses \u00e0 vos pr\u00eats jug\u00e9s avec un bonus \u00e0 d\u00e9couvrir en fin d'article. 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