Interest rate determination term

4.0% at 30 years without negotiation, should just be an info in combination with a KFW loan 12 months free of provision at Volksbank. My loan-to-value ratio is 75%. Tomorrow I am going to Sparda, currently there is an offer with 24 months free of provision, I don’t know the interest rate yet. The above offer also came from Interhyp. At Interhyp, however, with 4.1x% (don’t remember exactly) also in combination with KFW. Maybe the readers can still contribute something on the topic?!

Who has further advice for us regarding the durations???

So I have now received an effective offer of 4.06 for 20 years from the local bank. It is a binding offer, now we have to consider whether the conditions are acceptable and whether it is better to commit for 20 years or rather shorter... What did you get today?

3.56 at 15 years and they do not make more than 15 years

Hi,

we took out our loan from the Allianz Bank with a 25-year fixed interest rate of 4.3% (contracted around April 2010).
Annual special repayments of 10% of the loan amount and after 10 years of the term, we have a unilateral special termination right.
We have calculated that after 25 years (including annual special repayments of about 1500 euros) we will have paid off the house. If in 10 years the interest rates are higher than now, then we are happy; if they should be lower, we will simply refinance :-)

Best regards

Andy