Assessment of financing offer 1.58% 20 years

We went to several banks but had paused the financing topic and have now resumed it. Three months ago, the offers were very similar, so we did not request another offer from all banks this time. The offer is from Interhyp. At one Raiffeisenbank, the offer was considerably worse. 1.53% for 15 years and 1.88% for 20 years. And at some point, you probably have to make a decision

Which bank is behind the Interhyp offer?
Our house bank is offering us 1.25% for 15 years. By the way, a Volksbank.

Which bank is behind the offer from Interhyp.

It would be Hypovereinsbank.

In the meantime, I have the offer without the KfW124. So 250,000€ bank loan over 20 years with an interest rate of 1.79%, so this offer is quite a bit more expensive. It was also said that the interest rates have increased accordingly. Does anyone know a site where you can check the current interest rates? So not something like the interest rate charts from Interhyp or similar. Thanks

The problem is, the key interest rate is at 0.0%. The rest is handled by the banks themselves. An efficiently operating bank will probably be able to offer a lower rate. And, of course, the valuation factors also play a role.

So if I enter current construction interest rates into the search engine, something comes up ... increased? Huh, who is telling such things, the only thing that has increased is his processing fee.

May I ask why the wish for 20 years? I wanted that at the beginning too, then our advisor showed what it means, or rather what has to happen for you to get into real trouble after 15 years.

And the interest rate would have to rise to 7 or 8% for it to really hurt after 15 years.

It's nice that a significant interest rate increase after 15 years will not cause you any problems. However, there are quite a few homeowners who pay off their house over 25-30 years. For this target group, an interest rate increase of 3-4% means a doubling of the installment. That really hurts then.