We only recently completed the topic. Our ten years are over. "Unfortunately," we had invested everything in building society contracts and KfW at the time. The building society contracts run for two years longer, but at least offer an interest rate of 1.5% as a small consolation.
We received and also accepted an offer from Dr. Klein.
The Raiffeisenbank went into second priority with 3.1%. The Sparda-Bank would have also matched it—even with 3.2% for 15 years—but I declined.
For this, the property had to be revalued, which cost us nothing—apart from an on-site appointment carried out by value.ag.
The remaining sum and the current property value were decisive for the interest rate. Unfortunately, I did not receive any documents regarding the valuation—that is allegedly normal.
The bank had to go into second priority because the building society contracts run for 12 years. I still suspect that this was intentional. By the way: The LBS and the Sparkasse offered us 3.8%—even though we have been long-standing customers. I complained about how such a thing can be offered to loyal customers. We have never missed a payment at any time—this is how you lose customers.
