KfW loan is expected to become cheaper from 01.07.

They already existed before. However, there will continue to be no more than [10 years fixed interest period].

They have existed before as well. However, there will still be no more than 10 years fixed interest period.

I thought that was the fixed interest period :-(

Looked at the conditions. In my opinion, unattractive.

I looked at the conditions. In my opinion, unattractive.

Can you explain that in more detail?

Can you explain that in more detail?

I will probably choose the subsidy option after all. I thought the big breakthrough was coming now, but 0.87% is not a big interest rate cut, unfortunately.

If you do not have a good loan-to-value ratio, the offer can already be attractive, as you will certainly not get these conditions for 10 years with 100% financing... On the other hand, there is the rigid structure (no special repayments, usually residual debt after 10 years). And with enough equity, you get better conditions from your bank and are much more flexible, so the subsidy option probably makes more sense then.