Is renegotiation possible for a home loan?

We have an appointment at the bank on Friday, with which we are financing our house. The loan has been running for almost 2 years, is fixed for 15 years, the loan-to-value ratio was 90% of the purchase price, repayment 2%, interest rate 1.8%. What do you think, is it possible to talk to the bank about an improvement? For example: increasing the repayment rate and lowering the interest rate, or extending the term, etc. etc.? Basically, we are very satisfied with the conditions, but better is always better. Additionally in our contract: 5% special repayment/year, 3x free change of the repayment rate between 1 and 3%.

I haven't found anything about this so far, maybe someone has gained experience. Looking forward to your suggestions.

Hi

Why should the bank lower the interest rate? Where is their advantage in doing so?



Olli

After 10 years you can cancel.

To possibly avoid the risk of termination by us The question is whether we currently get such favorable conditions elsewhere that refinancing would make sense

What do you think, is it possible to talk to the bank about a revision?

Yes, that's possible. However, out of self-interest, they might tell you that anyone could come with such a request.

That I can terminate after 10 years I know, however I would like to take advantage of the current interest rate situation to finance for longer term or cheaper. Of course, the question arises why we did not choose 20 or 25 years back then: The interest surcharge was over 1% at that time... that simply did not make sense.