Construction costs are currently skyrocketing

The whole thing will get interesting in 7-8 years when all the "up to the edge" loans at <1% for 10 years with 2% repayment expire. I think quite a few people threw a ramp-up party with that cheap money. Best to save now and then pick up the bargains... As bitter as that sounds...

I'd be one such candidate, but I repay at least just under 5%, luckily I insulated just above the kfw40+ standard, there are certainly other candidates with problems. The loan runs out in mid-2030. Since most of it was self-built, I was at about 1350€/m2 construction costs and invested almost two years of my free time for it. About 2500h

I would be such a candidate, but I at least repay almost 5%, luckily I insulated just above the kfw40+ standard, there are surely other candidates with problems. The loan runs out in mid-2030. Because most of it was self-built, I was also at about 1350€/m2 construction costs and invested almost two years of my free time for it. about 2500h

No, you obviously are not such a candidate ;)

No, you obviously just aren't that kind of guy ;)

But I still went to the muster party.
Nobody could have guessed it would escalate like that!

I would be such a candidate, but at least I repay almost 5%,

So still 8.5 years remaining term and thus a further 43% loan reduction. So the interest rate in the follow-up financing is practically irrelevant for you. A reduction of the repayment rate to 2% at the end of the fixed interest period would mean that you can service an interest of over 10% without changing the installment. So no, you are not such a candidate.

They haven't released anything for over 10 years since September...

It would be stupid for anyone to actually commit to more than 10 years right now...

The whole thing will get interesting in 7-8 years when all the "on the edge" loans at <1% for 10 years with 2% repayment expire. I think quite a few have thrown a remodeling party with the cheap money. Best to save now and then pick up the bargains... As bitter as that sounds...

Nonsense. When inflation goes down, interest rates will fall again.