Conditions of banks, interest rate / term / special repayment

I don't know what your problem is, but as a reference point for the negotiations, it is relatively interesting to me.

Aha, and what use is the point of reference to you if you ignore all other relevant factors (loan amount / collateral value / date of the condition commitment / and some more)?

For example: Today you can have two interest rates from me, both of which are market-appropriate and fit your above request.

1.41%
2.21%
The upper one including 5k special repayment p.a., the lower one without special repayment. Both are construction financing for a single-family house.

And how does that help you now?

How was that ... There are no stupid questions, only stupid answers.

Everyone just stay grounded and write factually.

PS: I know myself that doesn’t help him either

Helps me in that I know at what level I am operating, as I assume that I meet the requirements for [del. good conditions].

Well, that only helps you roughly if you at least know the loan amount and the loan-to-value ratio. Otherwise, the range is just too broad (see toxics post, which is quite factual).

I can't help you with that myself, as we completed our construction financing nearly two years ago (when the so-called "interest rate low" already prevailed and people thought the interest rates couldn't go any lower).

What good qualifications do you bring with you? And what conditions are linked to the above-mentioned terms?

I have made changes in exactly two places, which have so far been overlooked in your consideration and must not remain overlooked there.

By the way, the above-mentioned range amounts to 200 euros per month (just under 2,400 euros per year!). Over a typical loan term of 10 years, that's enough for a whole small car.

Maybe you want to share your ideas with us in full, then we can also tell you roughly where your project might stand in terms of interest rates.