Financing - how many comparison offers?

  • Erstellt am 2020-08-28 10:20:30

Shiny86

2020-09-04 12:13:29
  • #1
We called 4 or 5 banks. There was no problem with any of them over the phone. Only one bank could offer a lower rate, but you have to build environmentally friendly for that. You have to achieve a certain value of max. 75 kWh per sqm final energy consumption. We are building according to the Energy Saving Ordinance. And we have no idea if we will achieve that. Our construction project is currently with the structural engineer, so the calculation is not finished yet. It was too risky for us to speculate on that and sign. The offer would only have been valid until today, structural documents will arrive next week... it would have been 0.66% for 15 years.

We decided to stick with the offer from Interhyp of 0.75%. Then we went to the website of the bank to which they wanted to refer us, and suddenly they were advertising 0.7% for 15 years... We asked Interhyp for a new offer with 0.7% and received it... We are accepting that now. Documents have already been forwarded by Interhyp to the bank for review. The effective interest rate is 0.72%.

But it was good that we made calls around to get a feel for what is possible... Also, the only reason we ended up on the bank's website was because a few days had passed during phone calls and we wanted to check if it had increased. So, fate as well. Just saved 1800 euros in interest.
 
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