Construction financing... realistic and sensible?

Strange, here in North Hesse the banks only offer fixed terms up to 10 years, whether it’s a savings bank or [vr]. I have been told that the risk over 20 years is too high for them.

It's strange that here in North Hesse the banks only offer fixed terms up to 10 years, whether it's a savings bank or a cooperative bank. I was told that the risk over 20 years is too high for them.

But you have to look at this a bit more differentiated, because every risk can be "resold" for a corresponding fee.

The risk of loan termination after 10.5 years is probably the main reason (although this risk can also be excluded). Offsetting the interest rate risk should not be a problem for any bank.