Does anyone have an idea of fixed rate mortgage rates
within the Eurozone from the past 10 or so years, mainly the years 2000-2007?

Currently they're at around 5%, with a eurozone interest rate of 1%, and that just doesn't seem quite right, so a comparison with the past would be nice (to compare the mortgage rate with the ECB interest rate) for some friends of mine currently trying to get a mortgage in the Netherlands.

Hey, at least I'm not doing a JMG.
(Frozen_Banana Shaved against the grain; thoroughly unrewarding., Mon 8 Jun 2009, 13:48, archived)

I've just bought a new motorbike helmet.
I know nothing of mortgages.
( Harold Bishop's Love Child some sort of terrifying sex magician., Mon 8 Jun 2009, 13:49, archived)

What is it with those twats that have fluffy things on their helmets?
Isn't the whole point a smooth surface that you can slide on and stop your neck from snapping?
(Frozen_Banana Shaved against the grain; thoroughly unrewarding., Mon 8 Jun 2009, 13:50, archived)

I'm getting a pair of cat ears for mine
fuck yeah.
( spangolin - the odds are good but the goods are odd, Mon 8 Jun 2009, 13:51, archived)

you fucking furry

(PsychoChomp, Mon 8 Jun 2009, 13:52, archived)

Don't do it.
It will lose its cuteness if you're smeared across the road.
( thealternativefact, Mon 8 Jun 2009, 13:53, archived)

Hello yes
I hope you had a good time on Saturday :)
( SuperMatt, Mon 8 Jun 2009, 13:54, archived)

It was great, thank you!
We had fun and your flat is lovely.
Sorry for appearing rude - I did say thank you via FB but maybe you didn't see...
( thealternativefact, Mon 8 Jun 2009, 13:56, archived)

I did see it
I just though I'd initiate some conversation over here :)
( SuperMatt, Mon 8 Jun 2009, 13:57, archived)

Good!
We especially enjoyed the curvaceous blonde who did the dancing...
( thealternativefact, Mon 8 Jun 2009, 13:58, archived)

Curvaceous?
:(
( SuperMatt, Mon 8 Jun 2009, 13:58, archived)

What? That was nice!
You have lovely curves.
( thealternativefact, Mon 8 Jun 2009, 13:59, archived)

Dun't wanna be curvy :(

( SuperMatt, Mon 8 Jun 2009, 14:07, archived)

Oh no! I don't mean it in a euphemistic way!
I promise.
( thealternativefact, Mon 8 Jun 2009, 14:09, archived)

Are you saying you could see the outline of my penis in my trousers?

( SuperMatt, Mon 8 Jun 2009, 14:14, archived)

Why do you think I left so early?
You were crowding the room.
( thealternativefact, Mon 8 Jun 2009, 14:50, archived)

Chompy has got some woodlouse ears for his helmet.
his winky helmet
( Donkey Gums @mattcomedy, Mon 8 Jun 2009, 13:54, archived)

So that's why they're called Cheesy bugs

( SuperMatt, Mon 8 Jun 2009, 13:55, archived)

...
i dunna sick
( Donkey Gums @mattcomedy, Mon 8 Jun 2009, 13:57, archived)

your obsession with my penis is getting unhealthy

(PsychoChomp, Mon 8 Jun 2009, 13:56, archived)

At least it means he's leaving his own alone, for a change.
The other bus passengers will be pleased.
( thealternativefact, Mon 8 Jun 2009, 13:59, archived)

^this

( Donkey Gums @mattcomedy, Mon 8 Jun 2009, 14:02, archived)

I dunno, but if I see a biker with 'comedy' fluffy devil horns on, I automatically think he/she's a bellend.

( Harold Bishop's Love Child some sort of terrifying sex magician., Mon 8 Jun 2009, 13:51, archived)

OH SPANGOLIN!

( Harold Bishop's Love Child some sort of terrifying sex magician., Mon 8 Jun 2009, 13:51, archived)

<3

( spangolin - the odds are good but the goods are odd, Mon 8 Jun 2009, 13:52, archived)

I have my Direct Access test coming up soon.
Then I get my NINJA!!!!
( Harold Bishop's Love Child some sort of terrifying sex magician., Mon 8 Jun 2009, 13:53, archived)

they're nice bikes
lots of them around.
( spangolin - the odds are good but the goods are odd, Mon 8 Jun 2009, 14:01, archived)

I think I saw them on tomorrow's world,
with little holes to let you hear the truck that's going to smush you like a tube of toothpaste
( glued eel /questions/questionsyoudliketoask/post1648081, Mon 8 Jun 2009, 13:53, archived)

mine's at 5%ish
bought a year or so ago.

Fuckers.
( spangolin - the odds are good but the goods are odd, Mon 8 Jun 2009, 13:50, archived)

more like 5.5% actually

( spangolin - the odds are good but the goods are odd, Mon 8 Jun 2009, 13:51, archived)

pre or post crash?

(Frozen_Banana Shaved against the grain; thoroughly unrewarding., Mon 8 Jun 2009, 13:51, archived)

just pre.
sadface.
( spangolin - the odds are good but the goods are odd, Mon 8 Jun 2009, 13:53, archived)

same as me
:(
( turb0t, Mon 8 Jun 2009, 13:55, archived)

*joins the mortgage fail club*
Northern Rock Together mortgage fixed until 2011 at 5.5%
( h3donist tryin' to play me out as if my name is Sega.., Mon 8 Jun 2009, 13:57, archived)

Take consolation that the fixed rate hasn't dropped any
Dutch bankers are still wankers.

The variable rate they're being offered by ING (of course) is 1.82, just if the economy starts picking up again and the ECB interest rates hit 4% will they be paying 4.92% or something more horrific is the question. Most likely the latter; and if not, then... why the fuck are they even offering 5%.

There's a sting in there somewhere, I just wish I had past comparison for tracker interest rates.
(Frozen_Banana Shaved against the grain; thoroughly unrewarding., Mon 8 Jun 2009, 13:56, archived)

They offer it
because they either believe it has the potential to get much worse, or they think the perception is that way. There's a credit crunch, you take what you can with the risks attached.
( Flapjack I spay a little mare for you, Mon 8 Jun 2009, 14:01, archived)

I don't really know much about Holland
but can't you only get fixed mortgages? in which case, what's the issue? either you want a house or you don't. Past rates aren't going to help you.

Actually, past rates aren't going to help regardless. It's not like you can go into ING and go "well, looking at the last 8 years data I think you should be offering at a lower rate" and they are going to go "well, fuck me, I never thought of that. Here you are, have it cheaper"

You take the best offer you get. Or you don't. Simples.

Or alternatively, get a financial advisor rather than asking us lot. They are free after all.
( the mighty badger Aphrodite, on a bar stool, by your side, Mon 8 Jun 2009, 14:09, archived)

They offer tracker or variable rates also
so I'm hoping to use the past to indicate what might happen to the rate if things pick up again. Banks always play the same game with raising and lowering them, trying to milk as much as they can, so it would be nice to see under what circumstances they milked it proper in the past.
(Frozen_Banana Shaved against the grain; thoroughly unrewarding., Mon 8 Jun 2009, 14:16, archived)

heaven forbid
that banks, as businesses, should try and make money out of their customers ;)

I would get a fixed rate now if you can as they are seriously unlikely to get any lower. What with it being a bit impossible and that.
( the mighty badger Aphrodite, on a bar stool, by your side, Mon 8 Jun 2009, 14:28, archived)

I have a mortgage in the Netherlands
5% sounds reasonable.
( Flapjack I spay a little mare for you, Mon 8 Jun 2009, 13:51, archived)

I pay rent, yo
RENT
( Theoban What of it, Mon 8 Jun 2009, 13:51, archived)

I always knew you were a rent boy.

( spangolin - the odds are good but the goods are odd, Mon 8 Jun 2009, 13:51, archived)

SUCKY SUCKY, FIVE DOLLAH

( Theoban What of it, Mon 8 Jun 2009, 13:55, archived)

2000-2007 is not 10 years
WHAT'S GOING ON I'M SO CONFUSED
(PsychoChomp, Mon 8 Jun 2009, 13:51, archived)

you forgot to account for triple jump years

( glued eel /questions/questionsyoudliketoask/post1648081, Mon 8 Jun 2009, 13:53, archived)

I don't have a mortgage, I like the word tabernacle

( glued eel /questions/questionsyoudliketoask/post1648081, Mon 8 Jun 2009, 13:51, archived)

Hebrew has a lot of good words.

( Moon Girl Technologies horrendous beanbag, Mon 8 Jun 2009, 13:53, archived)

"Man makes pot of tea"

( turb0t, Mon 8 Jun 2009, 13:53, archived)

Good idea.
I meat to do that ages ago, but I failed to put Radio 4 on instead, and forgot.
( Moon Girl Technologies horrendous beanbag, Mon 8 Jun 2009, 13:55, archived)

There is somebody in my office that has a lucky cunt wanker bastard mortgage
It was a tracker mortgage set at 0.5% below the baserate.
Earlier this year, the baserate went below 0.5% which means that their mortgage was being paid off even if they didnt make any payments, cunts.
( turb0t, Mon 8 Jun 2009, 13:53, archived)

haha
negative interest
( Moon Girl Technologies horrendous beanbag, Mon 8 Jun 2009, 13:56, archived)

it doesn't work like that, see below.
in any case there will be a small print clause prohibiting the rate from dropping below zero, even if nothing below is applicable.
( the mighty badger Aphrodite, on a bar stool, by your side, Mon 8 Jun 2009, 14:06, archived)

That last statement isn't true (even if the rest is, which I doubt, I think you're being fibbed to)
It's not being paid off. It just isn't currently increasing in debt.

And trackers like that are only set for 2 years max anyway.

and they are set below the banks base rate, not the bank of englands. Bank base rates are 2-4% higher than the BoE base rate. So he'll still be paying 2% interest or so.
( the mighty badger Aphrodite, on a bar stool, by your side, Mon 8 Jun 2009, 14:04, archived)

it was a she
she is not normally in the habit of lying either, she seemed fairly convinced about it though.
( turb0t, Mon 8 Jun 2009, 14:37, archived)

You'll be needing to ask Friz for this
he's a whizz at offering 'cracker tracker mortgages'
( The Great Architect is still waiting for his account to be deleted on, Mon 8 Jun 2009, 13:58, archived)