Displayed KFW conditions

Hello,

How realistic are the conditions shown on the KFW website?
I am not quite sure how to interpret the note regarding the interest rate.
KFW153: 1.45/1.46% (eff.) 10 years fixed interest
KFW124: 1.65/1.66% (eff.) 10 years fixed interest

The note regarding the interest rate reads as follows:

"The effective interest rate shown here does not include any costs that the house bank must consider in individual cases according to the Price Indication Ordinance, e.g., in connection with a mortgage security. Therefore, the effective interest rate relevant for the borrower may differ from the effective interest rate shown here."

What are your experiences concerning the deviation?
Or does the deviation only relate to the spread between nominal and effective interest rate, which then is not, as assumed by KFW, 0.01% but for example 0.03%?

There were/are a few banks that still gave discounts on the KfW conditions; but this is usually not relevant anymore. You can confidently calculate with the conditions from their side.

My concern was rather that the financing bank would add something on top of the KFW interest rate at their discretion.

Actually not. The question is whether one really wants the KFW components. Unless you have 100% financing, you will generally get better conditions on the open market than those of the KFW.

As described in another thread, the house bank only offers me an interest rate for the classic annuity loan with an interest surcharge of 1% on the market rates. Unfortunately, I am bound to this if I want to have the property. Therefore, the KFW interest rate should be considered favorable. My fear is therefore that the bank will charge 2% for the KFW loan instead of 1.45%.

Unfortunately, I am bound by that if I want to have the property.

I don't have your other thread in mind right now, but that sounds like a tied selling and, in my opinion, is illegal.

Are you seriously being made to finance there as a condition if you want the property?