Evaluation of Savings Bank Interest Offer

With your HHE of nearly 7k, I don't see anyone crying over whether the interest rate is 3.9% or 4.1% ;-) BUT: Asking doesn't cost anything :)

I agree with you, but negotiating is basically not a bad thing and you don't have to give anything away. ;)

We now have the following update: Through a comparison portal (Interhype), we actually received a better offer from our local Sparkasse despite being in second rank than if we had asked them directly. We are now at 3.84%, which the Sparkasse is also offering us directly upon request. However, we have also expressed our dissatisfaction about this.

Additionally, another regional Sparkasse was interested, which will likely be at 3.8%. The Interhype advisor also assessed the situation the same way you did, that we have good chances due to the overall structure.

I assume that we will now be moving between 3.8% and 3.84%.

It must be said that interest rates have recently risen again, and if you look at the 10-year swap rates (which usually correlate strongly with real estate interest rates), they are again close to the high from last year in October. And there, with a 10-year fixed rate, we have also seen rates partly in the 4% range before the decimal point. (I often look at the KFW124 as a benchmark, and it is currently also at 4.01% effective, or simply the interest rate chart from Interhyp.) So, it might very well be that we see this more often soon... (of course, it could also be that they stabilize or fall again, I’m not making future assumptions, I just like looking at charts :p)

For your HHE, you could also opt for a 5-year fixed interest rate. The likelihood that interest rates will be significantly higher than 4% in 5 years is quite low.

You could also go for a 5-year fixed interest period with your HHE. The probability that interest rates will be significantly higher than 4% in 5 years is quite low.

We deliberately chose the 10 years so that we can refinance the house and the land together then. In addition, in 10 years we will have two building savings contracts worth €140,000 with an interest rate of 1.15% maturing, which we naturally want to use for this.

Then I have to admit, I didn't understand the question.
220,000 EUR loan, 6,800 EUR/month net income, and in 10 years, 2 building savings contracts with 140,000 [Krachern] become ready for allocation...

The interest rate can basically be completely irrelevant to you :D

PS:
The 10 years is just to make it look nice. If you expect an interest rate increase to 6% by 2033, then take the 10-year fixed term. If not, do 5 or directly variable.

Then, frankly, I didn’t understand the question. 220,000 EUR loan, 6,800 EUR/month net, and in 10 years, 2 home savings contracts with 140,000 windfalls will mature... You basically couldn’t care less about the interest rate :D PS: The 10 years is just to make it look nice. If you expect an interest rate increase to 6% by 2033, then take the 10-year fixed term. If not, do 5 or variable right away.

140,000€ total amount Not 140,000€ each