Mortgage rates

The standard reference rate was around 4% the last time I checked one month ago, but this means nothing.
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The actual rate that you get is based on the borrowed capital, on your repayment capacity, on the length of the loan and on other factors. The only way to know for sure is to make an appointment with your bank. If they consider you a good client, they may take up to 1.5 percentage points off the standard rate.
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TL;DR ask your bank.