Buy land - finance €38,000, where?

I have now taken out a 20k installment loan at 1.79% for free use. 6 years term, repayable at any time. 900€ interest if I repay regularly. 400€ cashback through a portal.

May I ask, where HelpHelp?

There are also some banks that issue mortgage loans without land charges as variable loans and are at about 2% interest.

We did the same ourselves at the Sparkasse. However, we could only get the loan through one of the usual brokers. The offers we obtained on our own were significantly (!) higher.

We do not own/build a property. We use a building plot as a garden. A mortgage loan is equal to a land charge loan, right? The bank receives the plot/house as collateral. That’s how I have always understood it.

At 2% interest – with fixed nominal interest rate?

What do you mean by usual broker? I have never taken out a loan. Where can I find this usual broker? Of course I don’t want to fall into the hands of scammers. But if I can get 2% instead of 3.49%, that would be a great relief. Especially since an old property still has to be demolished on the plot. But that also costs another 10,000–20,000€ – and therefore can only be done in a few years.

Shoop de and then an intermediary

Thank you. I still can't handle it. I click on Shoop. Then on "Dienstleister" & then on "Banken und Vermittler" & then I'm already stuck.

You could also take a look at Allianz. As far as I know, they offer real estate loans starting from €25,000.

Look at the Skatbank, they offer a "Familienkredit" under 3%.