Financing comparison - Now it's getting serious

You’re not really supposed to do that... Just checked. We closed in June with 15 years fixed interest and would now get 20 years at the same interest terms or 15 years correspondingly cheaper (50 € less per month in our case). But it’s like the stock market. You almost never find the best entry point. If we hadn’t signed in June, it wouldn’t have worked out with our house either. So you really shouldn’t be upset about it :)

I just checked. We closed in June with 15 years ZB and would now get 20 years at the same interest rate conditions or 15 years correspondingly cheaper (50 € less per month in our case).

The numbers you see online are rarely the ones the customer ultimately gets. (Or are you at the source?)

I checked with ING. And the online numbers are also the ones the customer receives. At least that was the case with us. And since ING works very standardized... except for hard or special cases. We were exactly at 80% of the purchase price and also got exactly the conditions that were listed up to 80% on the website. And when I enter the same values now, more favorable conditions come out.

Exactly this is the case, we are also constantly in exchange with our financial advisor and the interest rate reductions have already reached the consumer. Let’s hope it stays that way :)

Interest rates can hardly fall any further to somehow even remotely compensate for the crazy purchase price increases of last year.

Here in the area (northern "[Speckgürtel]" of Hamburg), the listing prices on the portals have felt like they have increased by 50% in some places.
Here with us ([Stormarn]) it has always been expensive anyway.
But by now, you want to see 600k or more even in areas like Pinneberg for a normal single-family house with an age of 20 years. I can hardly imagine that this is always paid. But the prices on the portals are only a rough indicator anyway.

I have a question. I have now signed the contract from MBS. It is not signed yet. Do you think I can still renegotiate or is there a high risk that they might back out?

Congratulations on the approval. They will not back out. However, you won’t make yourself popular either.

You could at most bring up the 0.76% for 150,000 EUR analogous to KfW 261/262.

I did that with our Sparkasse as well. Sparkasse then improved the offer again. We now have 550,000 at 0.94% (10.75 years) and 150,000 at 0.76% (10 years). This lowers the overall interest rate by at least 0.04% or the burden by about 20 EUR per month ;)