Amortizar HIPOTECA: ¿Lo has PENSADO bien? 🪫

TradeRepublic: https://bit.ly/4kRiijV Contact: [email protected] Instagram: @FinanzasDCA 📌 Free template download If you want to receive the Excel spreadsheets that appear in the videos, subscribe to the newsletter to get the free template. They will be sent after each video is published. 👉 https://www.finanzasdca.com/plantilla... Key moments: 00:00 Installment or term? The bank's question 00:31 How French amortization works 01:03 Why the first few years are almost all interest 01:49 When does the principal/interest ratio reverse? 02:43 €103,555 in interest: the real result 03:29 What an extraordinary amortization does inside 03:49 Comparison with real numbers: €10,000 in year 5 06:11 Reducing the term vs. reducing the monthly payment: a €6,300 difference 07:12 What if you amortize €20,000? The difference rises to €11,448 08:12 When does it make sense to reduce the monthly payment? 08:38 The timing factor: the variable that moves €8,500 09:22 Year 3 vs. year 10 vs. year 20: the real impact 10:10 Variable-rate mortgages: the trick of the amortization month 12:03 The 4 questions to make the right decision 13:23 What if the best option is to invest instead of making an amortization?