It is still possible to save money until the end of the year

Reducing fixed household expenses like mortgages, energy, and telecommunications remains possible before 2027. Mortgage holders who signed contracts between 2018 and 2024, particularly those with a spread above 1% and a remaining balance exceeding 80,000 euros, stand to gain the most from transferring to a bank with lower rates. For example, reducing a spread from 1.2% to 0.7% on a 150,000-euro loan can save approximately 41 euros per month or 490 euros annually. Additionally, switching to new energy and telecommunications contracts often secures discounts unavailable to existing customers on older tariffs.