Forward loan for 09/2024 - accept or wait?

2022-01-18 11:06:56

Personal experience (a few years ago): You are already in the system at the Commerzbank, a third party can no longer do anything there.

2022-01-18 12:05:03

Personal experience (a few years ago): You are already in the system at Commerzbank, a third party can’t do anything anymore.

the question is whether he has already had a conversation with all the details or not. That means a complete review.

if he has only taken care of an appointment so far, which has not yet taken place, then everything is relaxed.

But even if you already get an offer from Commerzbank, it wouldn’t hurt to compare it with other banks. Forward can do more than just Commerzbank.

It would also be important to get an offer from the house bank where the financing is running, if only to calculate exactly: 1) at what date he can extend the 15-year fixed interest period and 2) you have exact figures on what remaining debt is open at that date.

with that you can compare things everywhere.

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2022-01-18 13:08:43

the question is whether he has already had a conversation with all the bells and whistles or not. That means with a complete review.

if he has only taken care of an appointment so far, which has not yet taken place, then everything is relaxed.

But even if you already get an offer from Commerzbank, it wouldn't hurt to compare it with other banks. Forward is not only possible with Commerzbank

It would also be important to get an offer from the house bank where the financing takes place, just so they calculate exactly: 1) at what date he can extend the 15-year fixed interest period and 2) you have exact figures on what residual debt is outstanding at that date

with that you can compare things everywhere

PS. from time to time you get advertising from me here... click on it!

I have received two non-binding offers from Commerzbank. Once directly via the Commerzbank online portal and once via Interhyp. The interest rate differs by 0.1x%. Interhyp is somewhat worse here.

The house bank (VR-Bank) unfortunately only offers Forward 24 months in advance (board resolution). :-( They created a "fictitious Forward" for me at 1.5%, but unfortunately I could not conclude it now.

2022-01-18 13:11:28

It would be important to know which numbers they used for the calculations 1. what value do they assign to the property? 2. what amount is with KFW (time and date) 2. what amount is with the main loan (time and date of disbursement, so 2024?) then it can be compared exactly. It should not be the case that Commerzbank and Interhyp calculated with different numbers

2022-01-18 13:15:45

It would be important to know which numbers they used for their calculations 1. what value do they assign to the property?

As far as I know, Interhyp used a lower amount.

2. what amount is with KfW (time and date)

KfW not available

2. what amount is with the main loan (time and date of disbursement, i.e. 2024?) then it can be compared exactly. Not that Commerzbank and Interhyp used different numbers

Amount and date are identical.

2022-01-18 13:18:29

As far as I know, Interhyp has set a lower amount. KfW not present Amount and date are identical.

Of course, it is not supposed to be a new KfW loan, it is the component that replaces the old KfW loan. The question would be whether Interhyp would still be more expensive if they used the identical value for the property. Question, just give me a few key data: ZIP code where the house is Value assumed by Commerzbank Amount that replaces the KfW + Date Amount that replaces the main loan + Date Repayment rate + fixed interest period Also the conditions of Commerzbank, then I will tell you whether it is good or so-so

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Forward loan for 09/2024 - accept or wait?

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