Forward loan for 09/2024 - accept or wait?

Here is the comparison. Interhyp has also set the same market value. Only the date of the offer is different.
Could it really be due to the 3 days?

Commerzbank	Interhyp (Commerzbank)
Loan amount	296,000€	296,000€
Property ZIP code	86368	86368
Fixed interest period	15 years	15 years
Nominal interest rate	1.16% (eff. 1.17%)	1.25% (eff. 1.26%)
Rate	€1,793.27	€1,805.60
Repayment start	09/2024	09/2024
Special repayment	5% p.a	5% p.a
Market value	€800,000	€800,000
Offer date	01/11/2022	01/14/2022

Could it really be because of the 3 days?

No, during those days hardly anything changed in the market.

Ok,

I thought the KFW loan runs out after 10 years, so in 2023?
and the rest then in 2024?

and yes, 3 days already have a small interest effect ;)
BUT not here

SO:
with a rate of 1793 or 1805€, I assume FULL REPAYMENT in 15 years. that benefits the conditions.

If I assume that you are "an employee"
and the house has a good energy rating (i.e. less than the max. final energy value of 75 kWh per m²)

then you can currently expect about 1.09% (effective 1.10%). That’s exactly what my calculator shows + I have conditions (the cheapest from the last 4 days, so also from 01/14.)
The base rate hasn’t moved much in recent days (max. 0.03% difference) but Commerzbank raised the rates for 15 years by 0.19% on 01/11. (other fixed interest terms as well) Even though they say there shouldn't be such big deviations with full repayment.
So a week ago it was probably still slightly above 1.00%...

PS. with 1.5% commission I currently get an interest rate of 1.21% at Commerzbank, so I don’t want to know what Interhyp included in their 1.25%.

PS2. Repayment start is 09/2024, so disbursement by 08/30/2024?

thought that KfW loans expire after 10 years, so 2023?
and the rest then in 2024?

KfW was never mentioned here. :)
I only have a loan with a term of 15 years. Full disbursement was 02/2014. So I can get out in 08/2024, which is my goal.

PS2. Repayment start is 09.2024, so disbursement on 30.08.2024?

correct

Sorry,

when you work on several things at the same time...

right, so only 1 loan, then it fits.

Hello

so 1.15% is already very good, at the end of the year I made some forwards below 1%. Currently it is going up.
But I think as of today, it can still be a bit cheaper.

if interested, just get in touch.

From when can one start thinking about forwards? We bought our house in 2015. So 2026 is still a bit away but just for the later future... Thank you!