Current financing offer from the house bank

I'll keep it brief... We are about to buy a house Since interest rates are rising exorbitantly, I am about to sign the loan agreement. The offer is still valid until tomorrow, Dr. Klein was not competitive.

Loan 793,000 euros, interest 1.42%, effective 1.45%

The house costs 815,000 euros. Equity of 80,000 euros is being contributed. KFW55EE subsidy and construction supervision amounting to approx. 32,000 euros will be deposited into the ETF portfolio after disbursement.

Other banks were not consulted, as my main bank was by far the cheapest in summer for another project.

Is this a good interest rate given the current situation? Would you wait until the notary appointment is completed? (In about 4 weeks. In the worst case after the loan withdrawal period)?

The problem is that the monthly payment of currently 2,260 euros is pretty much the maximum we can/want to pay...

Thanks

Maybe I'm blind, but I don't see how long the interest rate is fixed for? You really want to pay off over 38 years?

Maybe I'm blind, but I don't see how long the interest rates are fixed? Do you really want to pay off over 38 years?

20 years No, we plan to pay off after 20 years with an ETF portfolio

Problem is that the current installment of 2,260 euros is pretty much the maximum we can/want to pay...

Then fix it. You won't find the perfect timing. And if the Fed makes statements about interest rate increases this week, it could also impact the rest of the world. Better to pay a little too much now than possibly not be able to pay at all later.

Then fix it. You won’t find THE perfect timing. And if the Fed makes statements about interest rate hikes this week, it can also have effects on the rest of the world.

Better to pay a little too much now than maybe not be able to pay at all later.

It’s just really annoying, in September I had an offer for a different property with significantly fewer square meters but more land for 1.02%. For me, it’s 0.0 understandable why I should pay 0.4% more now even though according to the internet Interhyp the interest only rose by 0.2%. Is that because of the property valuation by the bank? Is the risk high that interest rates will continue to rise significantly or can you speculate that they will fall again in one month? Does anyone have a crystal ball? ,-)

What are your background data? Income, total equity, etc.