Complete financing - Construction interest rate forecast - Your experiences

Somehow the idea that the funds are limited is always circulating. I have never met anyone who didn’t receive any funds. I have the feeling that the whole thing is a bit of "panic-mongering" by the intermediary. Something like "hurry up.. close quickly" They all want to sell after all

Somehow the rumor always goes around that the funds are limited. I haven’t met anyone yet who hasn’t received funds. I have the feeling this whole thing is somewhat of a "panic mongering" by the broker. Kind of like "hurry up... close quickly" They all want to sell

I think one can respond to this with a well-mannered "yes and no." Certain state funding programs have a limited volume. Once this is allocated, ... . However, in my opinion, it is unlikely that this volume is already exhausted in February/March. Therefore, your second sentence is often correct.

We are in NRW here, but there are also state funds available.

As long as you don't have anything in writing, everything can still change.

For us, the house and income were completely fine, then suddenly the house was too expensive because there was no basement, then affordability was no longer guaranteed, then this, then that... we communicated with them and explained everything for 7 months until it fit.

And yes, there are depleted funds at the end of the year, but then you get something the following year.

I graduated a year ago and today the interest rate would be 1% lower. Calculated over the entire term, that amounts to a good five-figure sum. I do not want to calculate the exact amount out of consideration for my nerves...

Well, look at it this way, it could also be 1% higher. A year ago you were certainly still happy with your interest rate. Just think back to that time. Of course, you get annoyed when the interest rate keeps falling, but all in all, we are in a good time. My father still financed at 8.35%....

I closed my deal a year ago and today the interest rate would be 1% lower. Calculated over the entire term, that amounts to a good five-figure sum. I don’t want to calculate the exact amount out of consideration for my nerves...

Seriously:
It makes no sense to speculate about the "what ifs."
As already written above, it’s just like with stock trading. If you sold at a profit, there’s no point in mourning over potentially missed additional gains. In case of losses, it also makes no sense to ponder whether you should have sold the asset earlier or later. Reflecting on losses only makes sense if you learn from it and act accordingly in the future.

In short: don’t worry about it, but be happy that you financed on better terms than hundreds of thousands who closed deals before you.