First interest rate increase to be recorded

About three quarters of a year ago or so, I started a similar thread. Meanwhile, I see it more relaxed. On the one hand, because we signed in May. 1.28% over 10 years with 65% loan-to-value.

My sister signed the financing for a house last month, from the developer, Kfw55 including KFW funds, with full financing(!) at a total interest rate of 1.05%.

At this level, panicking over one or even three tenths up/down is not worth it yet.

We signed shortly after the bond shock in May/June 2015. So to speak at the local maximum, a stupid thing. That already hurt, KfW had just increased the interest rate, the bank loan has a 2 before the decimal point (for 20 years, at least). That makes a difference -- even though now surely someone will come from the good old days when you had 6 ... 8 % [auf Bundesschatzbriefe].

Just noticed that even the KfW has now increased its conditions.

Oh no... panic.... *irony off*.

Well, you shouldn't get crazy now, but four weeks ago we were still sitting at the bank and the conditions for the main loan were 0.1% lower, for KFW 153 it was 0.25%, and for KfW 124 it was 0.2%.

Using the example of €250,000 (+€250) / €100,000 (+€250) / €50,000 (+€100), that’s a total of €600 – €50 per month.

Friends of ours got their main loan at the same bank at the beginning of October for 0.5% less!

If the trend continues in the short term, there will be one or two surprises. In the last two months, the conditions for us have jumped by more than €100 in interest per month.

It is like a truth. I have heard that the large wave of American immigrants could strengthen the demand for residential real estate in the major cities across Canada. The Trump victory could also increase the demand for commercial real estate in the United Kingdom. Since the founding of Brexit, international investors have been warned about political uncertainty in London. A Trump victory could change that.