High interest rates with fixed interest, alternative flex loans?

The market assumes this (= medium-term falling interest rates again), as you yourself wrote in your previous post. Otherwise, one would not currently pay more for a 10-year fixed interest period than for 5 years. This inverse yield curve usually only exists during recessions or special events like the current one.

Yes, but falling interest rates to a level of around +/- 3%. No one expects the times like in 2020/2021 anymore.

1. No one can predict the interest rates; whether they fall or continue to rise, we do not know.

2. The FED and probably also the ECB have announced that they will do everything to get inflation under control, if necessary with great pain. (Rezession) This means high key interest rates.

3. I think it is beyond question that the FED and ECB will lower key interest rates again as soon as inflation is under control.

4. Any new crisis could lead the FED and ECB to lower interest rates again.

I agree with you, a level of +/- 3% is realistic. Currently, construction loan interest rates are at 3.5% for 5/10 years. If the current yield development of the last few weeks (Panik³) fully reflects in the interest providers, which always happens with a delay, we are already at > 4%. It is quite a difference whether you pay 4% for 10 years or manage variable rates for two to three years and then fix them at 3%.

But if the margin in the private sector for variable loans is really the 2.75 percentage points mentioned here, it obviously makes no sense to approach it this way.

But I stick to my opinion that there is currently immense panic in the market, which from my point of view is exaggerated. A long-term interest rate level is currently being priced in that, in my opinion, will not be sustainable given the enormous national debts everywhere. At least not with the EURO.

Thank you for the thread, I am currently considering a similar direction. From my point of view, an increase of more than 4 percent Euribor is not sustainable for longer than 1-2 years solely because of all the national debts, so I also think that long-term fixed interest rates are now wasted money. There is currently a lot of panic in the market, which can change quickly.

I think that this is a very naive view of things. Many people still do not want to understand that we are in the worst energy crisis. The current escalation spiral also makes at least a regionally limited confrontation with nuclear weapons more likely. Anyone who, despite all optimism, thinks that this is mainly just unfounded panic and that a state cannot go bankrupt under these circumstances or that it will be politically prevented by all means should ride themselves into financial ruin. But please not again at the expense of the taxpayer.

Currently, the construction loan interest rates are at 3.5% for 5/10 years.

With reasonable calculation, we are already talking about 4,x% for 10 years. I just roughly discussed 4.3 for 10 years and 4.5% for 15 years with a client.
3.5% maximum at commercial banks that do not refinance themselves on the market.

With reasonable calculation, we are already talking about 4.x% for 10 years. I just roughly discussed 4.3 for 10 years and 4.5% for 15 years with a customer. 3.5% maximum at commercial banks that do not refinance on the market.

I can confirm, I received an offer of 4.3% for 10 years the day before yesterday. Our house bank was never the cheapest, but that was already surprising to me...