A fixed rate guarantees a stable monthly payment over the chosen term. SARON tracks the money market: often more favourable, but variable. Our recommendation, tested with our buyers: do not put all your eggs in one basket. Splitting the loan into tranches (one part in SARON, one at 5 years, one at 7 years, one at 10 years) smooths out the maturities: you never renew the entire loan at the same time, at a rate that might be higher. The final decision is made with your bank or financing specialist, according to your horizon and risk tolerance.