Construction financing: Directly at the bank or through intermediaries

And that’s why we preferred to take 0.1% more with the house bank. Contact person immediately reachable, payout always works within an hour.

for me it's already 0.2%, so quite some thousand euros add up over 10 years

the question is what is better with the same bank

the bank itself or an intermediary

for me it's already 0.2%, so quite a bit of t€ adds up over 10 years

The question is what is better at the same bank

The bank itself or the broker

Depends, for us the Commerzbank was cheaper through the broker (Interhyp) than directly there. Once signed, it doesn't matter. Then your contact is the bank anyway. It might just be that it is not the local branch that takes care of you (they sometimes have their own conditions and the cheapest might be somewhere else), but usually everything is sorted out by phone anyway.

We also had two offers from Allianz. Once through an intermediary and once directly through the agency. The intermediary was significantly cheaper.

Ok I have 3 offers

Interest rates are almost the same

DSL Bank
Commerzbank
Ing

Which bank would you recommend to me?

It is cheaper with the commitment interest overall about 1000€

And that's why we preferred to take 0.1% more with the house bank. Contact person always immediately reachable, payout always works within an hour.

Now that everything is clear, the payout also works immediately.
We were somewhat tied to ING because we still had a small residual loan with them that we wouldn't have been able to get out of so easily.