Financing a single-family house approx. 450k - How to implement?

I consider it unlikely that better conditions will be available in 5 years than today, regardless of the loan-to-value ratio. This low interest rate phase has already lasted too long.

What would you have posted five years ago?

What would you have posted five years ago?

The same.

But today the signs are actually slightly on the rise. But no idea if that will last 5 years. And variable follows any development almost immediately. So also upwards.

But today the signs are actually slightly upwards. But no idea if that will last 5 years. And variable rates follow every development almost immediately. So also upwards.

This is all just show. If interest rates really rose to the level from 5 years ago, then some states would become insolvent. I don't think that is realistic. I think they are trying to keep it going until it collapses.

If interest rates really rose to the level they were 5 years ago, then some states would become insolvent.

a) I did not claim that.
b) Even the PIIGS generate higher tax revenues today than in the years 2009 until...

So I don't see rising interest rates as that unrealistic, at least not up to 2,xx% or maybe just under 3,xx% for 10-year covered bonds.

Despite the ongoing QE of the ECB, interest rates have already risen since mid-2017.

And for mid-2019, an interest rate hike was recently announced. But yeah - at that point, unfortunately, my crystal ball is a bit smudged...