3 years fixed interest rate - Which banks do this?

  • Erstellt am 2023-02-21 16:34:12

Spiderman1982

2023-02-21 17:06:59
  • #1


The usual way would mean 10 or 15 years and then almost 4% interest every year, that’s too much for me. I won’t do more than 5 years fixed interest, I prefer 3 years. I can still do the special repayment though. :)
 

SoL

2023-02-21 17:25:29
  • #2
You won't get significantly cheaper even for 3 and 5 years. How do you come to that conclusion?
 

kati1337

2023-02-21 17:36:57
  • #3

4% interest every year on the remaining unpaid portion, minus the return you get when you invest the capital from the sale. Interest rates have risen on both sides. Calculate that in detail (there are good calculators online), and see if you really save something with the short fixed interest period. If you have to accept interest surcharges, probably not.
What speaks against the 5 years?
 

WilderSueden

2023-02-21 18:54:52
  • #4

Interhyp says 3.68% for 5 years, 3.81% for 10 years and 3.82% for 15 years. Or for 14 basis points or a 3% more expensive financing you buy independence from the other sale. Honestly, if you keep resisting that, it’s your own fault if something goes wrong. With numbers like these, I would even go for 15 years.
 

Spiderman1982

2023-02-21 19:20:50
  • #5
Then I'll take the 5 years. :)
 

Tassimat

2023-02-21 21:53:51
  • #6

How about selling the house now and moving out in 2 years? Otherwise, of course, finance variably, or simply continue the current financing at the current rate. The advantage is that it becomes unattractive for the mother to change her mind after all ;)
 

Similar topics
05.04.2015Property reserved. Financing is pending52
04.06.2016Why is financing so difficult?81
06.01.2016Construction Financing - What Installment Amount to Choose in Financing?23
14.05.2016House purchase: Financing (with/without equity)24
20.06.2016Error in financing?282
23.03.2021Would you make this financing?138
11.07.2016Interest rate fixation - financing assessment23
10.08.2016Assessment of financing condominium in Düsseldorf - Thank you!14
21.10.2016Is financing even possible?41
07.02.2017Evaluation of new construction financing17
08.04.2018Financing - your opinion? Realistic?33
02.07.2019Financing with a 35-year fixed interest rate52
17.06.2025Financing | Single-family house | Feasibility | 2nd rank99
01.03.2021Assessment of financing, house or apartment18
19.05.2023ETW Financing - Has the interest rate situation deteriorated extremely?28
13.04.2022Financing with residence abroad11
01.02.2024Is financing a new single-family house feasible?146
19.08.2022Fix financing early – no room for negotiation with the home builder?18
29.09.2022High interest rates with fixed interest, alternative flex loans?54
22.01.2024When should financing be completed?14

Oben