Construction costs are currently skyrocketing

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.

No, the candidates in this forum are different. Does anyone still remember Jana? She showed up again sometime this summer because the heat pump was not available.

Anyone who currently locks in for longer than 10 years would be stupid...

Well, the surcharges are actually not that huge at the moment, and even though I actually find it hard to believe that interest rates will be lower in 10 years than they are today, the 15-year fixed interest period gives me a few more years of buffer in case of doubt to find a follow-up financing. With a new build, it can take a while until everything is drawn down, so with a 10-year fixed interest period you might have only paid off 8 years and the remaining debt is still quite large. I currently sleep better with the 0.1% or so surcharge (I think it was a bit more, I prudently repressed it...) for "if things go wrong I can simply let it run for a few more years and reorient myself."

For more than 10 years they have not issued anything since September...

Can you/would you like to explain why? I assumed that due to the higher interest rate, longer loan terms are not so uninteresting for banks, especially since after 10 years every (?) loan can be terminated by the customer anyway.

We are working on the topic because we will need follow-up financing starting in October 2024. Unfortunately, we have already missed the best time for a forward loan. Nevertheless, it is still relatively comfortable for us, as higher interest rates will not threaten our existence.