From when does the financing start at the handover of the house in summer 2017?

It went exactly the same way for us.

Viewed the house, both parties agreed, handover 8 months later.
Our order

1. Loan conditions clarified with the bank, the interest-free period was 12 months by default at our bank.
2. Had draft purchase contract created and scheduled an appointment for the loan agreement.
3. 1 week after signing the loan agreement was the notary appointment (this way we could have revoked if the purchase had not gone through)
4. We set the payment date for the house to 1 day before handover.

The loan agreement also stated that the repayment installments start at the end of the month following the disbursement month. For us, the first installment for the financing was due about 6 weeks after the house handover.

The value can't be right. Either the comma is wrong or the daily rate ;)
In the old days....

In the old days... I'm somehow sure of this number, don't ask me why. But I've already expressed my doubts about my memory above.
I will check again and report :)

Edit: if you say 3%, it must be correct. I will check again, but only provide information if it is actually my percentages ;)

Regards

3%-1.5% everything included. But as I said, you should "separate" from it. The total financing is crucial. What use is it to you to save 300 € in the short term and pay 0.2% more for 15 years, which is significantly more (just an example)

For a loan of €260,000, the commitment interest amounts to €390 p.m. (0.15%) or €650 p.m. (0.25%). On top of that, double rent if the seller doesn’t get moving ... it adds up.

If a bank can't manage something like this due to 3 or 6 months of missing BHZ-free time, there are two possibilities.

1) The bank didn't get it.
2) The bank didn't get it.

This flexibility must be something a bank has, or prepare yourselves for further inflexibility. If you want that, be my guest.

If a bank can’t manage something like this because of 3 or 6 months without BHZ-free time, there are two possibilities.

1) The bank didn’t get it.
2) The bank didn’t get it.

This flexibility must be something a bank has, or prepare for further inflexibility. If that’s what you want, be my guest.

Especially the big "players" in the market are not flexible but have a mass-standard product. They make money with that.

I stand by it, the complete package has to be right