6 mei 2024 om 10:03 Update: 4 min. geleden
Rates for popular mortgage rates rose last week to a 2024 high. More than half of lenders have increased their rates. This is evident from figures from Van Bruggen Adviesgroep and De Hypotheekshop.
Anyone who wants to fix their mortgage interest for ten years with an NHG guarantee now pays an average of 3.91 percent. A few weeks ago this was still 3.78 percent. The average rates for fixing your interest rate for five or twenty years have also increased in the past week.
In many cases this concerns increases of 0.05 to 0.1 percentage points. A number of companies have not changed their interest rates. These are often lenders who have previously implemented increases or will do so next week. The three major banks, ING, ABN AMRO and Rabobank, among others, have very recently raised interest rates. This also applies to NN and Aegon.
The fact that mortgage rates are rising is because interest rates on the financial markets have also risen. This means, for example, that banks have to pay higher interest if they take out a loan themselves. They pass on these higher costs in the rates for their customers, such as home buyers.
“Interest rates on the financial markets have risen much more than mortgage rates in recent months,” says Van Bruggen. “Lenders have compromised on margins and we expect the slightly rising trend in mortgage rates to continue in the coming week.”
The recent increase comes after a period of sharp declines. For example, in the autumn you sometimes paid around 4.5 percent if you wanted to fix your interest rate for ten years. And if you wanted to fix your interest rate for twenty years, you would even lose more than 4.7 percent. But interest rates fell sharply in the winter months. There have been hardly any changes since then, until last week.
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