The market-oriented mortgage type sees short-term fluctuations in mortgage interest rates as an opportunity and is willing to profit from them. The financial environment of a person who takes out market-oriented financing makes it possible to absorb interest rate fluctuations. The planning certainty of interest costs is therefore not a priority. This offers the possibility of benefiting from short-term Saron-mortgages, whose interest rate is usually much lower than that of a fixed-rate mortgage. Of course, short- and medium-term fixed-rate mortgages can also be used for optimal financing, depending on requirements.