Simulate and compare a fixed-rate and variable-rate mortgage over the full loan term. Three evolution scenarios let you visualize risk and potential gain based on market conditions.
A fixed rate stays the same throughout the loan term. A variable rate changes periodically based on a reference index (usually Euribor).
In 2026, with fixed rates still relatively high, a capped variable rate can be attractive. Fixed rates are still recommended for long-term budget security.
A capped variable rate is one whose increase is limited by a contractual ceiling (often cap +1, +2 or +3 points above the initial rate).
Euribor is the rate at which European banks lend money to each other. Variable mortgage rates are indexed to the 3-month or 12-month Euribor.
Yes, some contracts allow this option. You can also renegotiate your loan or refinance with another institution.