How successfully did you negotiate?

I assume that he is talking about [10 Jahren Zinsbindung].

I assume he means a 10-year fixed interest period.

If that is the case - which I do not hope - the matter would be settled. And if the loan-to-value ratio is better than 60%, he not only chose the wrong bank but also got thoroughly ripped off.

This forum is moderated by developers or general contractors....... I would rather rely on experiences in my circle of acquaintances.

And what do you want to express with that? Maybe that if I were to respond to the OP’s question, he should not trust my answer?

By the way, I work as a construction supervisor

Rhenish greetings

How long was the fixed interest period?

20 years, at a branch of a major German bank. Equity ratio 80%...

Don't be mad at me, but that is simply not possible. Please prove your claim using a (preferably redacted) contract showing the fixed interest rate period, the date of the contract, the interest rate, and, if applicable, any fees incurred. The refinancing rate was not even 1.7% for 20 years in November 2014, certainly not at a bank, but insurance companies would also have had more than difficulties with that.

So I am currently also obtaining offers for a construction financing with the following specifications. 60% loan-to-value, 15 years fixed, 4% repayment, 5% special repayment, 12 months free of provision fees.

When I talk to banks (direct banks and local ones), I always get the statements that best conditions are already offered to me and nothing more is possible here. Is that true, or what is still negotiable regarding the interest rate/special repayment/free of provision fees?

I cannot say much about the negotiations with the developer, as we ultimately decided on an architect, which in my opinion is very important, so that everything is detailed in the service description. Depending on the provider there are differences in the floor plan. Possibly involve an expert.