{"id":2816,"date":"2025-12-08T08:51:19","date_gmt":"2025-12-08T08:51:19","guid":{"rendered":"https:\/\/www.fchypotheken.nl\/?page_id=2816"},"modified":"2026-01-14T12:56:53","modified_gmt":"2026-01-14T12:56:53","slug":"renteverwachting","status":"publish","type":"page","link":"https:\/\/www.fchypotheken.nl\/en\/alles-over-hypotheken\/renteverwachting\/","title":{"rendered":"Renteverwachting"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2816\" class=\"elementor elementor-2816\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-541226d e-flex e-con-boxed e-con e-parent\" data-id=\"541226d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b9a99cb e-con-full e-flex e-con e-child\" data-id=\"b9a99cb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-709c601 elementor-widget elementor-widget-heading\" data-id=\"709c601\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Mortgage interest rate forecast<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ae2b5b elementor-widget elementor-widget-as_support_breadcrumb\" data-id=\"1ae2b5b\" data-element_type=\"widget\" data-widget_type=\"as_support_breadcrumb.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"breadcrumb-wrapper\"><nav class=\"breadcrumb\" aria-label=\"Breadcrumb voor Renteverwachting\"><ol class=\"breadcrumb-list\" itemscope itemtype=\"https:\/\/schema.org\/BreadcrumbList\"><li class=\"breadcrumb-item\" itemprop=\"itemListElement\" itemscope itemtype=\"https:\/\/schema.org\/ListItem\"><a class=\"breadcrumb-link\" href=\"https:\/\/www.fchypotheken.nl\/en\/\" itemprop=\"item\"><span itemprop=\"name\">Home<\/span><\/a><meta itemprop=\"position\" content=\"1\" \/><\/li><span class=\"separator\" aria-hidden=\"true\">\/<\/span><li class=\"breadcrumb-item\" itemprop=\"itemListElement\" itemscope itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"breadcrumb-current\" itemprop=\"name\" aria-current=\"page\">Renteverwachting<\/span><meta itemprop=\"item\" content=\"https:\/\/www.fchypotheken.nl\/en\/alles-over-hypotheken\/renteverwachting\/\" \/><meta itemprop=\"position\" content=\"2\" \/><\/li><\/ol><\/nav><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9594b04 e-flex e-con-boxed e-con e-parent\" data-id=\"9594b04\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e6a6da5 e-con-full e-flex e-con e-child\" data-id=\"e6a6da5\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7f82463 e-con-full e-flex e-con e-child\" data-id=\"7f82463\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98eccc8 elementor-widget elementor-widget-heading\" data-id=\"98eccc8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Mortgage interest rates can change daily. But in which direction is that change heading?<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d5232d elementor-widget elementor-widget-heading\" data-id=\"8d5232d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What will the mortgage interest rate do?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a3945ab e-con-full e-flex e-con e-child\" data-id=\"a3945ab\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-aef2ef7 e-con-full e-flex e-con e-child\" data-id=\"aef2ef7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c91557d mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"c91557d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Banks obtain a significant part of their funding on the capital market and adjust their mortgage interest rates accordingly. Changes in that capital market therefore also influence the development of mortgage rates. By tracking over longer periods when (and especially how) banks respond to movements in the capital market, it becomes possible to assess quite accurately how mortgage rates are likely to develop in the short term.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ad2919 elementor-widget elementor-widget-menu-anchor\" data-id=\"2ad2919\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"module\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-979f55d e-flex e-con-boxed e-con e-parent\" data-id=\"979f55d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b08b5fc elementor-widget elementor-widget-shortcode\" data-id=\"b08b5fc\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><as-support-widget type=\"renteverwachting\"><\/as-support-widget><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c8a661b e-flex e-con-boxed e-con e-parent\" data-id=\"c8a661b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f930ec elementor-widget elementor-widget-heading\" data-id=\"9f930ec\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Capital market<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37a8a0e elementor-widget elementor-widget-text-editor\" data-id=\"37a8a0e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>As mentioned, mortgage rates partly depend on developments in capital market interest rates. The graph below illustrates this clearly. The green line shows how the capital market rate has evolved over time, and the red line shows how mortgage rates have responded to it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cca5456 e-flex e-con-boxed e-con e-parent\" data-id=\"cca5456\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ce481d elementor-widget elementor-widget-shortcode\" data-id=\"4ce481d\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><as-support-widget type=\"renteverwachtinggrafiek\"><\/as-support-widget><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-82891ea e-flex e-con-boxed e-con e-parent\" data-id=\"82891ea\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-04b67a1 e-con-full e-flex e-con e-child\" data-id=\"04b67a1\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8602913 e-con-full e-flex e-con e-child\" data-id=\"8602913\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f6e23ce e-con-full e-flex e-con e-child\" data-id=\"f6e23ce\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5d26ba5 e-con-full e-flex e-con e-child\" data-id=\"5d26ba5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d31c2cf elementor-widget elementor-widget-heading\" data-id=\"d31c2cf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mutual competition<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c97a248 elementor-widget elementor-widget-text-editor\" data-id=\"c97a248\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>However, that\u2019s not the whole story. The mutual competition between the various (more than 40!) lenders in the Netherlands also plays an important role. The greater the competition, the more likely lenders are to accept a smaller margin.<\/p><p><strong>The interest rate forecast above clearly shows how the capital market and mutual competition have developed since the various mortgage providers last changed their rates.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d6dd4c e-con-full e-flex e-con e-child\" data-id=\"7d6dd4c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f4c217 elementor-widget elementor-widget-heading\" data-id=\"0f4c217\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Disclaimer<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b5738f elementor-widget elementor-widget-text-editor\" data-id=\"0b5738f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><em>The above forecast is generated using Machine Learning; no rights can be derived from this expectation.\u00a0<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c8f5c3 e-flex e-con-boxed e-con e-parent\" data-id=\"3c8f5c3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b449cbb elementor-widget elementor-widget-shortcode\" data-id=\"b449cbb\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><as-support-widget type='contactformulier' tekstveld='Jouw vraag of opmerking' mailto='' zakelijk='false' zekerkiezen='false' location='top' filesharing='false' map='' vraag='true' language='' minimal='false' titel='Heb je een vraag?'><\/as-support-widget><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Hypotheekrente voorspelling Home Hypotheekrentes kunnen per dag veranderen. Maar welke kant gaat die verandering op? Wat gaat de hypotheekrente doen? Banken kopen hun geld voor een belangrijk deel in op de \u2019kapitaalmarkt\u2019 en passen daar hun hypotheekrentes op aan. Wijzigingen op die kapitaalmarkt hebben dus ook hun invloed op het verloop van de hypotheekrentes.\u00a0 En [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1209,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"iawp_total_views":14,"footnotes":"","_elementor_version":"3.34.1","_elementor_css":null},"class_list":["post-2816","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.fchypotheken.nl\/en\/wp-json\/wp\/v2\/pages\/2816","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fchypotheken.nl\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.fchypotheken.nl\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.fchypotheken.nl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fchypotheken.nl\/en\/wp-json\/wp\/v2\/comments?post=2816"}],"version-history":[{"count":5,"href":"https:\/\/www.fchypotheken.nl\/en\/wp-json\/wp\/v2\/pages\/2816\/revisions"}],"predecessor-version":[{"id":3998,"href":"https:\/\/www.fchypotheken.nl\/en\/wp-json\/wp\/v2\/pages\/2816\/revisions\/3998"}],"up":[{"embeddable":true,"href":"https:\/\/www.fchypotheken.nl\/en\/wp-json\/wp\/v2\/pages\/1209"}],"wp:attachment":[{"href":"https:\/\/www.fchypotheken.nl\/en\/wp-json\/wp\/v2\/media?parent=2816"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}