Current interest rate situation for mortgage loans

What I wonder, when I look at the statistics like this... can I roughly consider the key interest rate as a lower limit? The mortgage interest rates so far seem to fall below it only very very very rarely (the reasons why they can generally fall independently of the key interest rate were mentioned above, but historically they are usually above the key interest rates). That means if the expectation for the key interest rate is "another 1-2 increases to ~3.5-4% and it will probably stay there for a while," then I shouldn't really hope that the construction loan rates will fall significantly below that by the end of the year?

For me, the following relationship between the key interest rate and construction financing arises: The key interest rate has a direct influence on construction financing. A higher key interest rate increases the costs of construction financing because banks and other lenders charge higher interest rates on their loans. Conversely, a lower key interest rate can reduce the costs of construction financing.

This is correct in the long-term tendency, as the yield curve normally rises with maturity. But the connection is so loose that it is useless in practice. Decisive are the spreads between the individual maturities, and these have no relation to the key interest rate. Possible explanations in #10. The last 12 months have provided enough illustrative material.

It's nice when you have found something to hold on to.

The ECB announced on March 16 to raise by 0.5 again and also indicated further interest rate steps afterwards. So by the end of '23 we will easily be at 4% key interest rates.

Some houses will be going under the hammer in the next few years. I am glad I built modestly and only took out 100k over 15 years as a full repayment loan.

It's nice when you've found something to hold on to.

The ECB has announced it will raise rates by 0.5 again on March 16 and has also signaled further rate hikes afterwards. So by the end of 2023, we will easily be at 4% key interest rates.

Many houses will go under the hammer in the coming years. I am glad I built modestly and only took out 100k over 15 years as a full repayment loan.

Well, it was just reckless to squeeze the last price or only to sign up for 10 years.

At this historic level, I have advised everyone to fix the interest rate for 15-20 years or to take out products like home savings contracts for the follow-up.

Problematic will be the financings where high volumes were combined with very low repayment rates. And there are plenty of those. They won’t make any special repayments either; inflation is strangling everything.

I am affected by the 6-month Euribor because of my [Aufstiegsbafög]. As of 1.10, I had to pay 3.57% interest instead of 1.4%. And meanwhile, it has risen further. I had asked the IBank to make me a fixed offer, but that is only supposed to happen as of 1.4. I don’t even know whether I should still do that now or if waiting would be more reasonable. A special repayment is currently hardly possible because the money is needed elsewhere. The bank is also adding a 1.5% security surcharge. I don’t understand that either, because they regularly receive their money.

well, it was simply negligent to squeeze out the last price or to only conclude for 10 years. At the historic level, I advised everyone to fix the interest rate for 15-20 years or to conclude products like a building savings contract for the follow-up. Problematic are the financings where a high volume was concluded combined with a very low repayment rate. And there are plenty of them. They will not make any special repayments either, inflation chokes everything off

Well, what is now expiring from 2013 already had 3% interest. Due to inflation combined with repayment, I expect the big defaults only in 2 - 3 years.