Are repayment rates over 10% possible for construction loans?

Sorry, miscalculated too quickly. I meant 2,500 euros. It's worth it for that as well.

Yes, you can do that. It is not standard and therefore probably not with

I don't understand your post at all. When you get a small loan from the bank, the bank doesn't earn much from it either. It's the volume of customers that counts.
Should one out of consideration for the bank rather pay off a construction loan over 10 years, which could be paid off in half the time? That makes no sense!

Regards
Sabine

The bank earns significantly more from that than from construction loans (in the construction financing sector, a margin of 0.70-0.90% is standard), even after risk costs. In addition, there is much less work involved = low unit costs.
We would rather reject such a loan request or apply a "penalty interest rate". No bank likes to exchange money.

Pure margin after risk costs of 0.70-0.90? Nordanney, usually you don’t write nonsense, but with that margin you are not competitive and you can close the place down.

Hello,
but special repayments are only allowed up to 5 percent, right?

For the loan on my apartment, I had allowed myself 10 percent special repayments, as the loan amount was relatively low and the 5 percent of that was not enough for me. In my case, this meant a 0.1% interest surcharge. So I would say it is a matter of negotiation.

Pure margin after risk costs of 0.70-0.90? Nordanney, normally you don’t talk nonsense, but with that margin you are not competitive and you can close the business.

Gross margin before all costs. In the commercial sector rather 1.30%.
The 0.70-0.90% was confirmed to me just yesterday by the board of a partner bank of Int...hyp.

You can't report a margin before risk costs.... well ok, you can, but then it's crap. This number says nothing (really nothing) at all.

Because that would mean that every bank with mostly bad customers (and thus higher risk premiums) always reports a better margin than a bank that only takes customers with low risk.

The pure gross margin (before risk costs) presents a completely distorted picture. -> Never trust a statistic you haven't created yourself.