Buy land - keep the house.. how to proceed best?

Well, the ones from Interhyp aren't really that interested either. The only ones who have an interest are the current bank.

That is surely the case.

But I would have expected her to say, "It could be possible, but one should calculate whether it wouldn't be cheaper otherwise," and that way she would have further built trust.

Guys, I have another question..

Why does a loan with initially higher interest rates end up with a lower remaining debt?

I always thought the interest rate was decisive..

In plain language: 3 offers are available via Interhyp for loans over 67k, 10 years fixed interest period

1. Commerzbank, nominal interest rate: 1.33%, 5% repayment, installment: €353.43, interest payment: €6602.24, remaining debt €31,190.64

2. ING, nominal interest rate 2.01%, 5% repayment, installment: €391.39, interest payment: €9897.18, remaining debt: €29,930.38

Is it because the installment at ING is higher and with decreasing remaining debt more is available for repayment?!

3. would be a full repayment loan, 1.10% nominal interest rate, installment €594.63, interest payment: €3750.81

For the installment, we actually wanted to end up around €360 and the rest via special repayments, as we might buy a second new car and finance part of it..

What do you think?

Is it because the rate at ING is higher and with a decreasing outstanding balance more remains for repayment?!

Bingo ;-)

You can also find the whole thing explained again under [Laufzeiteffekt]