For the consumer, house hunting has only one clearly defined goal: the dream home which is not the best location or the most beautiful home, but the place where the consumer will experience his most precious life experiences. Mortgages still excel in complexity. Where the consumer thinks of a dream house, mortgage lenders talk about fixed-interest terms, annuity and penalty interest. Anyone who takes out a mortgage suddenly sees these dreams reduced to the question of whether a mortgage should be annuity or linear. What is your experience with mortgage and do you recommend someone to take a mortgage ?