Bad feeling about the financing

due to the high interest rates, it was only 2.35% in the offer a week ago, especially since the broker still wants 7.14%..something is definitely wrong

since the broker still wants 7.14%.. something is not right

Then just leave it. Why are you still asking us?

What is supposed to be wrong? Broker fees are normal – then probably the seller does not pay a commission. Financing brokers are also normal – the amount is, of course, always individual.

I regularly see offers where the broker receives 10-13%. No one is forced to buy.

due to the high interest rates a week ago the offer was only 2.35%

What do you have now or what did you have a week ago? Indication?, non-binding offer?, contract? Bonuses and credit check completed? Rising interest rates are quite possible if a) there are changes in the market or b) your credit check yields a different rating or or or

Once again. If you really want the apartment, then buy it under the conditions that exist. Or leave it.

I can understand you somewhat, sometimes you do feel a bit squeezed by the current (additional) costs for real estate. It would be worth considering playing the Postbank's game, but doing it a bit differently... Tell them that you want to sell another property soon and therefore only need 1 year fixed interest. This gives you time to look for another bank, and in a year you will have nothing more to do with the Postbank. Another alternative would be a flexible loan, which can also be paid off later. However, both options involve some additional costs; whether it is worthwhile can certainly be better assessed by others here. It's just an idea...

The information sheet for the loan agreement states that the broker earns 4200 € on the financing

That is 2.3% of the loan amount, not bad.
The fact that the broker receives a separate commission again, I only know from "independent" brokers, but not directly from the bank – that would be double dipping.

Over 7% to the real estate agent? Here from the north, I know maximum values around 6.25%, often also between 4% and 6%.

Ultimately, it is not the real estate agent who decides to whom and at what price the house is sold, but the seller. If there is personal contact, I would go through that.

I can understand that! 0.27% amounts to about €500 more interest per year. Over 27 years, that is €13,500 for the duration. What does the advisor say about why the offer is higher? Didn’t you secure the conditions (submitting an application is not binding)?