Forward loan - Secure interest rates now?

Hello, in March I made a forward contract 3.5 years in advance. We dropped from 3.25% to 2% exactly at the refinancing date and are very happy with it. It was also just before the new EU procurement directive. Therefore, not the tightened examinations. I would join the others. It is pure speculation and the "risk appetite". I have currently taken a gamble. As of today, I would be at 1.8%. It will rise again or fall again. Crystal ball ^^

As mentioned, whether it's 0.1 or 0.2 difference is negligible. For a calculator, I have now landed at about 2.6 for 5 years in advance. It is still cheaper than the part to be financed afterwards, but not really by much and therefore currently uninteresting.

As I said, whether it's 1-2 tenths more or less is irrelevant. For a calculator, I'm now looking ahead for 5 years and ended up at about 2.6, I believe. It's still cheaper than the part to be financed afterwards, but not by much and therefore currently uninteresting.

Just give Interhyp a call or Dr. Klein. They often have special conditions from well-known banks. I ended up with one from the Raiffeisen association

I calculate forward spreads daily if necessary, what do you want to know? The current calculated spread on the 10-year condition, meaning 5 years lead time and then 10 years fixed interest, should be around 79BP. It might be more difficult, however, to find a bank that agrees to +5 years.

What does 79BP mean? It would be interesting to know from which "lead time" one reaches about 2% interest with approximately 60% loan-to-value and at least 15 years fixed interest rate.

79 basis points = 0.79%