First interest rate increase to be recorded

It will go up and down in a sideways movement. Many institutions also control the application intake and the final deal with conditions. If someone has full books and enough work, they make "defensive conditions," still receive a batch of applications under old conditions, and afterwards earn even more through the increased ones.

With my forward in March, I had the same game. The condition was reserved, all documents were there except for one bank statement. The DSL rejected me and asked me to submit the application again with all documents under new conditions. That was too stupid for me, so I signed with the competition. Okay, a bit premature, I could have had 0.25% cheaper at this point in time. I am satisfied.

wait and see whenever you think you are at the bottom it goes even further down....as long as oil does not rise above $50 anyway ... interest rates will most likely only rise with a new currency banks as we know them will no longer exist in the near future ... they radical restructuring Commerzbank

Banks as we know them will no longer exist in the near future... the radical restructuring of Commerzbank

How do you know "banks"?

But it will still be many, many years before that happens, especially since one continually adapts to the market.

Yeah, we will only have internet banks and virtual currencies, and everyone will be happy *cough**cough* Every bank has its justification. If you want everything cheap and online, the forums will be blazing and people will be crying out for real bankers and insurance agents.

I once read the claim, I believe in a financial blog, that private customers actually no longer need banks. They need banking. Combined with real professionals who have specialized knowledge and provide consultations. That means away with the branches with their sales halls and sales staff who can only recite the product range. Away with the bureaucracy, active asset management, etc. Might be something to it. On tagesschau de there was an interesting article yesterday about the current stock market situation. After the presidency of Trump was associated with fears, it initially went downhill on the "day after," especially after the first relativizations of his program (and after the first shock), it went significantly uphill to the all-time high in the Dow Jones. The flip side is the US bond market, because almost a panic has broken out there. The yield on government bonds has doubled within a few days. Take a look if you’re interested. There are no links here...

A blog is one opinion among many. There you can always pick out what suits you. Some may be quite right, but many more are wrong.

Banks, banking... call it what you want. Banks offer banking. That's a phrase... wow.

Who owns the specialists, the professionals, the knowledge?

And even that is still too short-sighted... Who monitors what the customer requests and balances out incorrect positions within the balance sheet and balance sheet development? There is a lot of experience behind a bank to ensure that banks do not get into trouble.

Exaggeratedly put: A doubling from 0.01 to 0.02 is of course enormous.

And regarding the all-time high... There have already been many of those, and there will be many more in the future. Another phrase.

The only thing I agree with you on is the fact that unnecessary costs must be eliminated.