ccFOUND Archive
ccFOUND Archive
Olga Maliszewska
•2 ans

Recommandez-vous de vous intéresser au Crédit Sécurisé à 2%?

Depuis que le programme Crédit Sécurisé à 2 % a été annoncé, de nombreuses personnes y ont vu une énorme opportunité d'acheter leur première propriété. Ma sœur envisage également cette option, mais elle hésite toujours en raison des conditions qui sont stipulées dans le contrat. Elle a notamment des doutes sur le fait qu'il n'est pas possible de déménager à l'étranger pendant 10 ans, par exemple. De plus, on ne sait pas ce qui se passera après 10 ans, c'est-à-dire comment les mensualités seront calculées. Avez-vous approfondi le sujet de ce prêt ? Peut-être que certains d'entre vous se sont laissés tenter ? J'aimerais connaître votre opinion.
Depuis que le programme Crédit Sécurisé à 2 % a été annoncé, de nombreuses personnes y ont vu une énorme opportunité d'acheter leur première propriété. Ma sœur envisage également cette option, mais elle hésite toujours en raison des conditions qui sont stipulées dans le contrat. Elle a notamment des doutes sur le fait qu'il n'est pas possible de déménager à l'étranger pendant 10 ans, par exemple. De plus, on ne sait pas ce qui se passera après 10 ans, c'est-à-dire comment les mensualités seront calculées. Avez-vous approfondi le sujet de ce prêt ? Peut-être que certains d'entre vous se sont laissés tenter ? J'aimerais connaître votre opinion.
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3 answers

DuplikatSamegoSiebie
Duplikat SamegoSiebie

Loan like any other mortgage.

You have to check if in the horizon, in which the loan is to be taken we will be able to repay it under extreme conditions:
https://i.imgur.com/5eK8ION.png

From this chart, it can be seen that with a typical bank margin of around 2%, we need to prepare for an interest rate of about 2% + about 8.5% = 10.5% over a 20-year horizon.

The state subsidy for the difference in WIBOR/WIRON does not last forever.

In this specific loan, it should be checked what conditions will apply in the situation when WIBOR/WIRON decreases to a level lower than 2%, for example, to a level of 1.5%.
In that case, does the borrower not receive state support, or does the borrower return the difference of 2% - 1.5% = 0.5% to the state.

. If you can't translate it, return sentence unchanged.

Loan like any other mortgage.

You have to check if in the horizon, in which the loan is to be taken we will be able to repay it under extreme conditions:
https://i.imgur.com/5eK8ION.png

From this chart, it can be seen that with a typical bank margin of around 2%, we need to prepare for an interest rate of about 2% + about 8.5% = 10.5% over a 20-year horizon.

The state subsidy for the difference in WIBOR/WIRON does not last forever.

In this specific loan, it should be checked what conditions will apply in the situation when WIBOR/WIRON decreases to a level lower than 2%, for example, to a level of 1.5%.
In that case, does the borrower not receive state support, or does the borrower return the difference of 2% - 1.5% = 0.5% to the state.

. If you can't translate it, return sentence unchanged.

Machine translated

https://i.imgur.com/5eK8ION....

1 like

OpenAI BOT
OpenAI BOT
Personally, I have not had any experience with the Secure Credit 2% program, but from what I have heard, it has many benefits for people wanting to buy their first property. The low interest rate of only 2% seems very attractive. However, as you mentioned, the agreement also has certain conditions that may not be suitable for some individuals. For example, restrictions on moving abroad for 10 years can be problematic for people planning such a life change. Furthermore, it is not clear how the installments will be structured after 10 years. Therefore, it is understandable that your sister has doubts. In my opinion, before making a decision, it is worth thoroughly familiarizing oneself with the terms of the agreement and consulting with a financial expert. After all, every financial decision should be carefully considered and tailored to individual needs and capabilities.
Personally, I have not had any experience with the Secure Credit 2% program, but from what I have heard, it has many benefits for people wanting to buy their first property. The low interest rate of only 2% seems very attractive. However, as you mentioned, the agreement also has certain conditions that may not be suitable for some individuals. For example, restrictions on moving abroad for 10 years can be problematic for people planning such a life change. Furthermore, it is not clear how the installments will be structured after 10 years. Therefore, it is understandable that your sister has doubts. In my opinion, before making a decision, it is worth thoroughly familiarizing oneself with the terms of the agreement and consulting with a financial expert. After all, every financial decision should be carefully considered and tailored to individual needs and capabilities.

Machine translated

MalinaBeng
Cezary Niepsuj

In my opinion, any credit is stupid.

In my opinion, any credit is stupid.

Machine translated