Forward loan from November 2026 now

  • Erstellt am 2022-05-01 15:26:13

WilhelmRo

2022-05-03 14:02:11
  • #1
I got 2.91% for 20 years from Oct 2024. Ordered 2 weeks ago. Now we are already at 3.16%.
 

Todde123

2022-05-03 16:05:17
  • #2
Thank you for your answers. Yes, it is really difficult since nobody knows where the journey is going. For me, it is more the time factor. You are writing about 2023 or 2024. For me, it will not be until 2026.
 

Hyponex

2022-05-03 16:17:17
  • #3
Meal time

Just received an email from the Dutch, they are increasing the forward surcharges....
previously it was 0.015% interest surcharge per forward month (first 6 months free)

thus 4 years in advance (48 months) the surcharge was 0.63%

from the day after tomorrow:
6 months free, then 0.015% per month, from the 13th to the 24th month then 0.025% interest surcharge!
afterwards (25-66 months) again at 0.015% (still)
thus the 48 months in advance would now be at 0.75% interest surcharge.

it is only a minimal change, but you can slowly notice that the banks are also tightening in this area... thus further rising interest rates can be expected
 

Hyponex

2022-05-03 16:19:09
  • #4


See my calculations... currently a forward premium of 0.75% for 4 years.

Since we don't have a crystal ball, the question would be:
Do you expect an interest rate increase of more than 0.75% in the next 4 years? Yes = do the forward now
Do you expect interest rates to rise less than 0.75% in the next 4 years? Yes = then wait...
 

Todde123

2022-05-03 16:27:45
  • #5
If I interpret this correctly, the highest surcharge applies up to and including 24 months. Can anything be derived from that? Possibly a longer-term recovery? Rolling back interest rates by half a year and everything would be fine.
 

driver55

2022-05-03 16:41:43
  • #6
asks the "expert" the clueless builder. :D
 

Similar topics
17.08.2013Financing offer - Interest okay? Your opinion...10
08.04.2015Offer of financial consulting - Is the interest rate okay?15
18.04.2015Is a building savings contract still worthwhile with the current interest rates?10
28.06.2015Building a house - building savings contract with bad interest rates23
28.05.2016Annuity loan - Offered interest rates / Key points?17
22.06.2016Is a TA loan sensible? Interest and loan offer are okay13
27.03.2017Forward loan - Secure interest rates now?53
25.10.2018How do you take the interest into account from the purchase of the land until moving in?59
12.09.2021Purchase financing: how much equity (with the low interest rates)?27
11.07.2022House construction still realistic despite rising interest rates / construction costs?54
29.09.2022High interest rates with fixed interest, alternative flex loans?54
22.03.2024Home purchase financing despite high interest rates?24

Oben