Financing completed - is the interest rate good?

Even if for the OP "the train seems to have left"

It doesn't seem to have left, it has left.

And who knows, maybe the financing is fresh and one could have followed up again.

And what do you dream of at night?

And what do you dream about at night?

I do not want to answer that, next question.

"You can completely cancel your loan by revocation up to 14 days after signing the contract."

1 week < 14 days. So take a deep breath.

It’s some kind of fairy tale that the prices offered online don’t also apply if you go there in person. If the bank offers 100,000 euros for 1% at a 50% loan-to-value ratio, then you get this 1% (or better) – or nothing at all if the bank refuses. But what arguments should the bank have to worsen its offer? Loan-to-value? That was clearly specified beforehand?

The bank will not change the fundamental conditions, but the definition of "50%" is up to the financing bank.

and about the interest rate: more important than the last few hundredths behind the decimal point is the general handling of the process.

That’s not an unimportant point, but it also depends on whether we are really talking about the per mille range here. 1.9% versus 1.88% – no question. But when comparing 2.1% to 1.9%, I would start to think twice, that’s around 10,000 euros over 270k in 20 years; for that, I would personally put in some effort and, if necessary, also accept a few hundred euros in reminder fees.

1 week < 14 days. So take a deep breath.

And then you stand there without financing. Because every bank only does that once.

And then you are left without financing. Because every bank only goes through that once.

Why?

Example from practice, my brother at the end of 2015.

House purchase almost 10 years ago, financing through house bank. Follow-up financing planned, house bank inquiry slow, probably due to illness and communication difficulties. So got a good offer through ProfGroß and signed.

House bank then of course found out about it. Now everything went quite fast, although it was really tight with the 14-day deadline. House bank took care of everything and my brother revoked and stayed with his house bank.

Because an extension requires significantly less work than a new contract.