There is no state intervention. Depending on market conditions, a 30 years fixed can have a higher rate than 25 years.
It’s basically hedged with long term bonds (Belgian or European) + a profit margin for the bank + risk based on your profile (age, health, employment history, …)
I guess UK banks are just hedging with shorter term bonds compared to Belgian ones.
It’s basically hedged with long term bonds (Belgian or European) + a profit margin for the bank + risk based on your profile (age, health, employment history, …)
I guess UK banks are just hedging with shorter term bonds compared to Belgian ones.