Annuity loan - Offered interest rates / Key points?

Because these conditions are again outrageous. I just looked at a large Dutch bank, which likes to advertise on TV in Germany and has made a name for itself since 2004 with higher-interest sight deposits... and today is probably often offered by financial brokers as the cheapest financer.

They charge 1.21 for 5 years, 1.46 for 10 years, but already 1.92 for 15 years at a financing ratio of 80%. In contrast, 20 years is not offered at all.

That means the surcharge from 5 to 10 years is 0.25%, but the surcharge from 10 to only 15 years is already 0.46%, and 20 years or more are not offered at all.

The 0.46% includes the risk of early termination according to the Building Code (§ 489 Abs. I Nr. 2 Baugesetzbuch).... heavily priced in...

cute, very cute :confused: maybe some bank still wants to make money and survive.

Where does the constant suspicion that interest rates have to rise come from....

Where does this constant suspicion that interest rates have to rise come from....