Regulatory Alerts2023-06-29
AFM Consumer Monitor 2022 Q4: Mortgage Holders
The Dutch Authority for the Financial Markets (AFM) published its Q4 2022 Consumer Monitor to assess the financial behavior and attitudes of Dutch mortgage holders. The report reveals that while most borrowers have fixed-rate mortgages and are aware of interest rate risks, significant knowledge gaps remain regarding mortgage averaging and the benefits of overpayment for lower rates. Furthermore, the data highlights a strong prevalence of interest-only mortgages among older demographics and varying levels of preparedness for repayment at the end of the loan term.
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