Buy land - finance €38,000, where?

Take a look at Skatbank, they offer a "Familienkredit" under 3%.

Too expensive!

We do not have/build a property. We use a building plot as a garden.

A plot of land is a property. Among the major brokers of real estate loans are, for example, Dr. Klein and Interhyp. Just inquire there.

At 2% interest - with fixed interest rate?

A variable loan has no fixed interest rate. It can be terminated at any time with 3 months' notice or special payments can be made. Every 3 months the development of the reference interest rate is checked and adjusted if necessary. Ours has been running since the end of 2017 and has been stable ever since.

Shoop de and then an intermediary

Can't you just tell me your 2% intermediary? He won't mind.

So the cashback portal is called 'shoop', it is reputable, I have been a member for years. Similar to payback, only that you get money instead of points.

I went to this site finanzcheck.de through this portal which reimburses €400 bonus via shoop if the loan is approved.

The transaction has already been recorded, payment in 60-90 days. The bank that was brokered is also listed on Check24 and offers loans itself. But here as well, instead of 2.29%, I was able to get 1.79% through the portal! Same product!

Money & loans is an interchangeable product

Important is the interest rate & flexible repayment without prepayment penalty