Financing Single-family house 520TE current market situation / year-end business banks?

I can't understand that banks see 2 months without income as a problem when they know that the salary is secured.

I think you will also find banks where this is the case. (Others have reported this here as well.) But when we went to the financial advisor, for example, we first filled out a standard form about the current assets and income situation. When we were at a bank, they also roughly asked similar questions first. And if you enter today's information there, more warning lights might turn red without your wife's salary than with the status in 2-3 months. "But in 2 months that will be resolved anyway" is simply not easy to represent in such a standard form. That doesn't mean you won't get financing in principle, but that you might initially fall through the automated screening.

What motivates you to choose a 30-year fixed interest period in the current interest rate environment, which easily means a 0.5% premium compared to 10 years? Interest rate chart from Interhyp used as a basis, extrapolated from 20 to 30 years.

How much higher are interest rates expected to rise? The first sovereign defaults are already looming soon...

What motivates you to choose a 30-year fixed interest rate in the current interest rate environment, which easily means a surcharge of 0.5% compared to 10 years?
Interest rate chart from Interhyp used as a basis, extrapolated from 20 to 30 years.

How much higher are interest rates supposed to rise? The first sovereign defaults are already looming in the near future...

It's just an offer from the HypoVereinsbank, you get 30 years at the conditions of 15.
For the property, 15 or 20 years fixed interest rates are sufficient for us.

Oh, so you probably aren't doing anything wrong. What one can think of a 1.2% repayment, you know yourselves... but unfortunately, it probably can't be helped at the moment.. Would waiting be an option? The interest rates have fallen from 4.2% to 3.6% in 2 months, [15jährige Zinsbindung]. It's quite possible that we will be under 3% in a few months.

Oh, so you probably aren't doing anything wrong.
What to make of a 1.2% repayment rate, you know yourselves... but unfortunately, it doesn't seem possible otherwise at the moment..

Would waiting be an option? Interest rates have dropped from 4.2% to 3.6% in 2 months for a 15-year fixed rate. It's quite possible that we'll be under 3% in a few months.

Waiting isn't possible, the financing has to be finalized this year. Preferably in 2 weeks.
What do you currently think
about a 10-year fixed interest rate? Or is the risk too big?

Which interest rate? I don't believe that the interest rate situation will look worse in 10 years than it does today. But that is my assessment, with which I think I am quite alone.