Construction costs are currently skyrocketing

3% would still be well over €2000 installment for us. Unfortunately not feasible. Maybe next year.

20 is not worth it for me, that would also be 2.95%

It was the same for us in April, that there wasn’t much difference between 20 and 33 years fixed interest (I think, 2.15% vs. 2.27%).

Regarding those currently waiting for the GU – I can only recommend pointing out the urgency concerning financing to the GU. A good GU understands that and then accelerates things on their side (for us it was similar last year)

That’s a good point. Our financing person knows our GU very well and kept calling them constantly and even went to them on a Saturday to pick up the missing documents in person. The GU told us, for example, that issuing the KfW efficiency calculation (or whatever the document was called) would take about two weeks; our financing person had the document two days later. As I said, he just constantly harassed them by phone and then even went there himself so he would get the documents faster. We didn’t have to take care of anything at all. He really earned his commission from the Allianz.

The small difference between 20 and 30 years suggests that the banks do not believe that interest rates will rise in the long term.

Regardless of what their official opinion on that is ;-)

The small difference between 20 and 30 years suggests that the banks do not believe that interest rates will rise in the long term. Regardless of what their official opinion on this is ;-)

It was the same with us in January, no big difference between 20 and 30 years.

The small difference between 20 and 30 years suggests that the banks do not believe that interest rates will rise in the long term. Regardless of what their official opinion on that is ;-)

Then there would be hardly any differences between 10, 15, and 20 years. Anything beyond that is certainly more rarely chosen, and anyway "out-of-scope" for serious forecasts.

Then there would be hardly any differences between 10, 15 and 20 years.

For reasons unknown to me, the increase from 10 to 15 is usually the largest...
From Interhyp:

(it always looks similar, even when you look at longer periods). They don't have 30 years in the statistics.