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An affordable hybrid/savings investment mortgage via DGA The Hague

Also for a affordable hybrid/savings investment mortgage DGA Financial Advisors is the place to be. Together with you, we will find the mortgage that best suits your personal situation. Our experienced advisors are happy to help you!

Because DGA The Hague works completely independently and is therefore not bound to any bank or insurance company, you are assured of objective advice. In addition, we can provide you tariffs offer those up to the lowest in the Netherlands belong.

You are always very welcome at our office in The Hague. Or would you prefer one of our advisors to visit you? Then we would be happy to make an appointment with you!

Many customers in The Hague, Scheveningen, Voorburg, Leidschendam, Voorschoten, Stompwijk, Zoetermeer, Nootdorp, Rijswijk, Wassenaar, Pijnacker, Delft and Wateringen have a affordable hybrid/savings investment mortgage via DGA Financial Advisors closed. Of course, we are also happy to help you!

The most important features of a hybrid/savings investment mortgage

The hybrid mortgage is a combination of a savings mortgage and an investment mortgage. That is why it is also known as a savings investment mortgage or combination mortgage.

With a hybrid mortgage, you pay monthly interest on the mortgage amount borrowed. So you don't repay anything during the term. Only at the end of the term do you pay back the loan amount in one lump sum. You must then have raised this amount in the meantime. You do this by saving and/or investing.

You pay a monthly premium for saving and/or investing. This premium consists of two parts, a risk part and a savings/investment part. The risk part consists of the premium for term life insurance. Should you die unexpectedly before the end of the term of the mortgage, an insurance amount will be paid out. With this benefit, the mortgage is then repaid. This means that your loved ones can then continue to live in the house.

With the savings/investment part, you save and/or invest the borrowed amount together. During the term of the mortgage, you can choose between saving and investing. If you expect a favourable stock market climate, you can opt to have the premium amount invested if you wish. Otherwise, you opt for the security of savings.

When you invest, you don't have the security of saving. It may happen that your shares generate little or nothing. Then you will be left with residual debt at the end of the term of your mortgage.

With the hybrid mortgage, you can, on the one hand, benefit from an optimal tax advantage through the mortgage interest deduction throughout the term, while on the other hand, you can build up tax-free assets.

Hybrid/savings investment mortgage: optimal tax advantage

For whom?

A savings investment mortgage is attractive if you want to invest but also want to build in the necessary security.

Hybrid/Savings Investment Mortgage Benefits

  • Flexibility; you decide how your premium is used
  • A tax-attractive form of mortgage
  • With good investment results, the mortgage can yield more than the amount needed to repay the mortgage debt

The disadvantages

  • You borrow, save, invest and insure with the same bank; switching to another lender in the meantime is therefore difficult
  • Switching between saving and investing can involve relatively high costs
  • In the event of disappointing investment results, it may happen that too little capital has accumulated to repay the mortgage loan in its entirety. You will then be left with a residual debt