Forward loan - Secure interest rates now?

  • Erstellt am 2016-10-13 08:11:07

Peanuts74

2016-10-13 15:23:51
  • #1
So current conditions for 15 years ZB plus 0.8%?
 

toxicmolotof

2016-10-13 15:51:23
  • #2
I have calculated an interest rate fixed for 10 years starting in 5 years from today, not 15 years! Based on experience, the surcharge for 15 years fixed interest should be somewhat higher.
 

Alex85

2016-10-13 16:50:51
  • #3


Does your bank specifically offer these conditions you mentioned? It seems to be significantly better than what my financial advisor sent in the newsletter, as well as what was researched on the internet. Both are more likely intended for advertising, so in reality, they are slightly more expensive.
 

toxicmolotof

2016-10-13 16:55:54
  • #4
No, we do not offer that. It is only a mathematical method for spread calculation.

Real conditions consist not only of the spread and the refinancing costs but also of other items.

That will also be the crux of the matter, finding such a bank. Presumably, they add a good extra margin on top.
 

HilfeHilfe

2016-10-14 07:45:59
  • #5
There are banks that offer a forward contract for a maximum of 5 years. However, I agree with toxi, many providers offer 3 years, after that it gets thin.
 

Peanuts74

2016-10-14 07:49:36
  • #6
A silly question and absolutely no offense meant, but what is the invoice for and why down to one hundredth of a percent? Normally, a contract concluded today that starts in 5 years and then has a fixed interest rate for 15 years should be roughly comparable to concluding one today with a fixed interest rate for 20 years, right? Maybe there is a surcharge for the "service," but the loan amount should be lower because 10 years have already been paid off...
 

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