Wanneer we geld willen lenen of het juist willen sparen krijgen we te maken met rente. Het staat echter niet vast hoe hoog of hoe laag deze rente zal zijn en het is zelfs mogelijk om te kiezen tussen een vaste en een variabele rente. Uiteraard hebben de beide varianten zo hun eigen voor- en nadelen en is het daarom van belang om deze goed te kennen. Zo kan men uiteindelijk een keuze maken tussen een vaste en een variabele rentevoet en op maakt men op die manier zo de juiste beslissing.
Het is allereerst van belang om te weten hoe de rente nu eigenlijk tot stand komt. Uiteraard verzinnen de banken niet zomaar wat en zuigen ze dit niet uit hun duim. Om tot een bepaalde rente te komen maken ze gebruik van verschillende standaarden zoals de Euribor en LIBOR. Dit zijn respectievelijk de Europese en de Engelse basistarieven. Uiteraard zijn de banken vervolgens vrij om hun eigen tarieven bij deze basispercentages op te tellen en op die manier een interessant aanbod te doen aan hun klanten. Op die manier ontstaan er prijsverschillen en krijgt men als consument de kans om tussen de verschillende aanbieders te kiezen. Los van de keuze tussen de verschillende banken is het daarnaast dus ook mogelijk om te kiezen tussen een vaste en een variabele rente.
In principe kan men met de keuze tussen een vaste en een variabele rentevoet kiezen tussen zekerheid of de kans op een lagere rente. Wanneer men kiest voor een vaste rente loopt men namelijk geen risico en zal men gedurende de gehele looptijd van de lening of de tijd dat men spaart dezelfde rente betalen of ontvangen. Bij een lening wordt er vooraf vaak afgesproken hoe lang deze door zal lopen en gedurende welke periode men dus de vaste rente zal gaan betalen. Wanneer de rente tijdens deze periode daalt kan men hier niet van profiteren en zorgt dit ervoor dat men meer betaalt dan anderen die bijvoorbeeld op dat moment een lening afsluiten. Aan de andere kant is het met een vaste rente natuurlijk fijn lenen wanneer de rente gaat stijgen en men het relatief goedkope tarief kan blijven betalen. In dat geval is de bank slechter af en leent men dus voordeliger dan mensen die op dat moment een nieuwe lening af willen sluiten.
Een variabele rente is vooral interessant voor mensen die de lening relatief gemakkelijk kunnen afbetalen en daarom niet in de problemen zullen komen wanneer de rente wat stijgt. Dit is bijvoorbeeld het geval bij mensen die een relatief lage hypotheek hebben in vergelijking tot hun inkomen. Een variabele rente is over het algemeen altijd net wat lager dan een vaste, omdat men niet hoeft te betalen voor het risico dat de bank overneemt bij een vaste rentevoet. Een geringe stijging zal op die manier uiteindelijk nog maar weinig effect hebben en een daling levert uiteraard gemakkelijk een hoop geld op. Door zelf het risico te dragen kan men op die manier een stuk voordeliger uit zijn.
Zo lossen de banken de problemen op.
Je vanaf nu tot een ruime tijd na je pensioen. Een vaste inleg met een vaste rente, je weet nu al wat je uitgekeerd krijgt later!
ik ben niet per def. tegen afbouwen hyp.rente aftrek, maar dan wel icm belastingverlaging. (beter nog: vlaktaks)
ik zit ook bij leaseplanbank,maar het is absurd dat ze deze hoge rente geven zonder enig risico
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