Are you saying that it was €195K over 25 years fixed for the first three years at 4.25% and fixed at some other rate (what is this?) from year 4 which starts in 2008?
Yes it is €195K fixed for the first three years at 4.25% and variable from year four onward.
"264 repayment instalments of €1,077.64 variable at 4.24% as from the beginning of year 4". (mortgage offer letter).
2007 €6,027.08 €1,756.82 €288,243.18
2008 €14,312.96 €4,368.40 €283,874.78
2009 €14,089.45 €4,591.91 €279,282.87
2010 €13,854.53 €4,826.83 €274,456.04
2011 €13,607.59 €5,073.77 €269,382.27
2012 €13,347.98 €5,333.38 €264,048.89
2013 €13,075.12 €5,606.24 €258,442.65
2014 €12,788.29 €5,893.07 €252,549.58
2015 €12,486.81 €6,194.55 €246,355.03
2016 €12,169.87 €6,511.49 €239,843.54
2017 €11,836.74 €6,844.62 €232,998.92
2018 €11,486.56 €7,194.80 €225,804.12
2019 €11,118.44 €7,562.92 €218,241.20
2020 €10,731.52 €7,949.84 €210,291.36
2021 €10,324.77 €8,356.59 €201,934.77
2022 €9,897.25 €8,784.11 €193,150.66
2023 €9,447.84 €9,233.52 €183,917.14
2024 €8,975.44 €9,705.92 €174,211.22
2025 €8,478.85 €10,202.51 €164,008.71
2026 €7,956.89 €10,724.47 €153,284.24
2027 €7,408.21 €11,273.15 €142,011.09
2028 €6,831.43 €11,849.93 €130,161.16
2029 €6,225.18 €12,456.18 €117,704.98
2030 €5,587.88 €13,093.48 €104,611.50
2031 €4,918.00 €13,763.36 €90,848.14
2032 €4,213.83 €14,467.53 €76,380.61
2033 €3,473.66 €15,207.70 €61,172.91
2034 €2,695.61 €15,985.75 €45,187.16
2035 €1,877.74 €16,803.62 €28,383.54
2036 €1,018.03 €17,663.33 €10,720.21
2037 €179.45 €10,718.01 €2.20
Good luck! Ive been trying all day on 1890 463626 and the message says they have no available operators to take the call...im in the same boat..id say theyre inundated with calls. If theres another number let me know thanks!Cheers clubman.
Will give them a call tomorrow
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