Interest rate trend showing downward due to the Ukraine crisis?

The contract is signed, done.
If they rise to 1.8%, do you take them then as well? That makes the question obsolete.

Well, I initially signed a brokerage contract with Dr. Klein. Once I get confirmation from the bank (in 5-6 weeks), I have a 14-day cancellation period. That would also be our backup in case KFW only allows loans.
I think the bank will know what happens if they don’t send me market-standard conditions on day X. Hence the question. But it’s probably hypothetical anyway. I just checked again, we are at 1.42% averaged from a 10- and 20-year loan and based on the total amount. I don’t see that changing quickly in the next few weeks.

Well, I initially signed a brokerage contract with Dr. Klein. When I receive the confirmation from the bank (in 5-6 weeks), I have a revocation period of 14 days. That would also be our backup in case the KFW only allows loans. I think the bank will know what happens if they don’t send me market-standard conditions on day X. Hence the question. But it’s probably hypothetical anyway. I just checked again, we are at 1.42% averaged from a 10 and 20-year loan and based on the total amount. I don’t see that changing quickly in the coming weeks.

If the interest rate falls within the 14 days, you can already cancel, but I don’t know if the same bank will then grant you a loan again.

Hello everyone, last week we closed 20 years at 1.61% through Dr. Klein at Sparda BW. Current processing time is 6 weeks. What actually happens if interest rates fall again during this time? Will it be adjusted automatically or would we have to withdraw and apply again?

well, hardly any bank does that,
that means if you applied for 1.61% and it is approved, the bank will also give you 1.61% in the contract, regardless of whether the conditions are then at 1.3% (disadvantage for you) or 2.0% (advantage for you)

banks have to find a rule, or how would you feel if you apply for 1.61%, and after 5 weeks when the contract is created the interest rates are at 2.3% and the bank offers you that in the contract?

if the interest rates have dropped significantly, then you can "inquire"

I only know one bank that does it automatically (i.e. always the cheapest condition for the customer, example: applied for 1.61%, at contract creation it is 1.51% = customer gets 1.51% in the contract; if at contract creation it is 1.71%, then the customer gets the applied 1.61%)

I once had a discussion with a Sparkasse that also had very long processing times (OK, they approved within 2-3 days, but the contract creation took 5 weeks!) and 3 weeks after approval the interest rates were 0.20% lower, so I inquired.
the answer was: yes, withdraw the old application, submit a new one, then it also goes through, but the processing time starts again at zero, meaning wait another 5 weeks, so 3 weeks longer...
for customers it was OK... so

but there have been banks that reacted very negatively and say:
if a customer does not accept the contract or withdraws, they do not need to submit a new application, there is then no second chance

We will conclude additional financing in the next few days - 1.51% over 15 years. 12 months ago, we got 0.74% over 15 years

Additional financings are usually a bit more expensive. In addition, this is certainly a (significantly) lower amount than 12 months ago. Thus, not really comparable.