Follow-up financing the new winners??

They also told us "5 years fixed interest rate, how could you, the interest rates can only go up"... You always read that you should secure the super low interest rates for the entire term until full repayment. But if you secure the interest rate for that long, it is simply no longer low.

Let's see where the interest rate goes next, there is still room downwards. Basically, you are already being paid now to take out a construction loan. After all, we are now significantly below the inflation rate at 0.xx %.

They also told us "5 years fixed interest, how could you, interest rates can only go up"... You always read that you should secure the super cheap interest rates for the entire term until full repayment. But if you lock in the interest rate for that long, it is no longer low.

Let's see where the interest rate goes, there is still room downwards. You basically already get paid for taking out a mortgage. After all, we are now well below the inflation rate with 0.xx %.

Yes, but this is not decisive, it's how the banks refinance themselves. The savers are the ones who lose out.

I have a question about this, it fits quite well here: Does anyone know if you can cancel a [Bausparer] even after 10 years?

We are financing our house through [Wohnriesterbausparer] in combination with [Annu.-Darl.]. It would be interesting to know if there is also a special right of termination after 10 years!

In my opinion, not during the savings phase, but during the loan phase you may make special repayments on the home savings contract until the doctor comes.

Exactly, I can theoretically repay the entire outstanding debt at once through special repayments. I can also deposit additional money during the savings phase, I believe without limit. But the framework conditions, meaning the interest rates, remain the same. My question is whether an early termination can lead to an improvement here?

I currently have an offer for a [Bausparvertrag] at home, and it states that you can terminate during the loan phase after 10 years. The notice period is six months, and then payment must be made within two weeks after termination.