Construction financing new build condominium 50 sqm

Busch & Jäger: Can of course control heating, shutters, lights, elevator, [Packetstation] and air conditioning.

Notary appointment is not until 2 months from now.

Then you haven't bought it yet either. I also think the conditions are okay, but I would keep the KFW. Possibly higher interest rates won't kill you in ten years either.

I also believe that if I end up at 0.9 or 1.0%, it should be fine. The best rate currently is 0.69% for 15 years

You are as far away from 0.69% as possible. You have a full financing with over 100% loan-to-value!!! I cannot say anything about the bonuses due to lack of information. But at least you are basically financing without equity.

Was at the Volksbank again and they did not want to go below 1.11% effective interest rate.

Do you think that is okay.

Schufa is top.

I have €45,000 equity which will only cover the 7% incidental costs.

Should I still go to a broker what do you think?

Apartment for personal use or speculation? I'm not sure about your nickname.

You have full financing, so don't expect miracles.

I have a loan of 380k and 130k equity + a rate of 1100 at 1.2 with Volksbank through an intermediary. I asked several intermediaries and all confirmed that 1.2 for 20 years and 10% special repayment is absolutely top. It only gets better with KfW, but with residual debt that would be too annoying for me.

I am at a loan of 380k and 130k equity + a rate of 1100 at 1.2 at the Volksbank through an intermediary. I have contacted several intermediaries and all could confirm that 1.2 over 20 years and 10% special repayment is absolutely top. It only gets better with KFW but with residual debt that would be too annoying for me.

I'll gladly take that as a template for myself. That's how I would build it for myself and would still have decent equity left over.