Financing - how many comparison offers?

That is why I wrote that the local banks nearby were called. The Red one here on site was really bad. One city away, the by far best offer. Just because both banks have a big red S in front of the branch, you unfortunately cannot lump them together. There are really huge differences.

Addition: my experience so far has also been that you definitely have to come by for an offer. You can't do anything by phone or email. During the lockdown and shortly after, fortunately, they didn't want to have us on site at all and thus made the condition comparisons by phone significantly easier for us.

you can request an unlimited number. the best interest rate never happens^^

We obtained an initial offer through an intermediary and then took it to the first meeting with the house bank.
The interest rate at the house bank was initially worse. At the end of the meeting, we then showed the offer from the intermediary.

The next day, the house bank undercut it.

We then continued planning with the house bank. The day before signing the loan agreement, we got another current offer through the intermediary.
That was sent back to the house bank, which ultimately undercut it once again.

This probably won't work with every bank, and I also had the feeling that our advisor really put a lot of effort into it for us.
But from my experience, it definitely makes sense to present counteroffers.
At least if you're aiming for the last hundredths of a percent.

Did you roughly calculate the interest rate on their websites before contacting the major intermediaries? How far apart were theory and reality for you then?

We will call 4-5 banks on Monday. And then it is also okay.

We will call 4-5 banks on Monday. And then it's okay.

Would you like to share your insights from the phone calls with us?