Your interest rate will stay the same throughout the term of the loan, making it easier for you to prepare your household budget..
You can divide your mortgage loan into multiple tranches with different durations.
You can lock in the interest rate for your mortgage up to 18 months before the start of the loan.
DON’T MISS THIS!
If you’re buying your first home to live in yourself, we’ll sweeten the pot by waiving your interest payments for the first six months.
DON’T MISS THIS!
We’ll waive the interest payments on your mortgage loan for the first 12 months if you buy or build an energy-efficient property or carry out energy-saving renovations.
You can pay down your mortgage either directly or indirectly.
With this option, you make regular mortgage payments to BCV. These payments will be applied to the loan principal and interest, and your overall mortgage debt will decrease over time. However, your tax charge will increase every year since you can deduct only the interest payments.
With this option, instead of making mortgage payments directly to BCV, you put the money into a third-pillar retirement account that you pledge to BCV. This option offers some tax advantages: you can deduct the payments made to your retirement account from your taxable income; and you maximize the amount of your tax-deductible mortgage debt.
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