Complete financing - Construction interest rate forecast - Your experiences

Yes, the 10% solution is of course an option. The biggest problem is the Labo. They only want to accept the Labo application once the sampling has taken place (even though there is almost nothing here for us since we have a shell construction and do a lot ourselves). And the sampling is not coming soon because the building application is only being submitted now. We want about 25% of the total requirement from the Labo. It’s already a bit of a risk if we take out the normal bank loan before the Labo. Especially since I can’t think of any reason why the Labo could say no, as we are eligible for funding and have 20% equity. If I could just assess it correctly, I would of course do the Labo first, but the fear is too great that interest rates will rise again due to the waiting time.

About 25% of the total requirement we want from the lab. It's already a bit risky anyway if we conclude the normal bank loan before the lab. Especially since I can't think of any reason why the lab could say no since we are eligible for funding and have 20% equity.

For example, because you are building too large For example, because all funding has already been exhausted For example, because the construction documents do not suit the caseworker,...

Interest rates do not double that quickly ...

e.g. Because you are building too large
e.g. Because all funding has already been exhausted
e.g. Because the construction documents do not suit the case worker,....

Size and documents have already been checked. That should be fine.
Regarding the funds, that's true. But are these also limited for the housing construction program? Since it is still quite early in the year, I think there should still be funds available.

Size and documents have already been checked. That should be fine. The funding, yes. But is it also limited to the housing construction program? Especially since it is still quite early in the year, I think there should still be funds available

I no longer know whether it was housing construction or the other one. We were told (in September) that the funds for the district had long been gone. It probably also varies by region. I’m keeping my fingers crossed that it works out!

Anyone can give you their opinion on interest rates here - it probably won't help you.
It's like stock prices - you never find the perfect time to buy or sell.
In general, we are at a very low interest rate level.
Just as examples:
- the 1-month Euribor rate (reference interest rate for 1 month) was at -0.001% today.
- the Swiss 1-month rate has been below -0.75% for several weeks now (development since the Swiss National Bank abandoned the peg to the euro).
(Of course, these rates are only conditionally meaningful for you, since you will be financing long-term).
Where will it go now? Will the rates fall even further into negative territory? Will they remain there? Will they rise again in the foreseeable future (0.5 - 2 years)? Will Greece’s exit (expulsion) be seen as a disaster or as a liberation from uncertainty? No one will be able to tell you exactly - so you can only form your own opinion.