Loan-to-value 80%, interest rate fixed for 15 years. Is that fair?

So good that the bank actually earns too little from it :(

Schnukc is a bank clerk. Maybe she wants to fool us?

Unrealistic:

[*]Mixed calculation with KFW?
[*]Employee conditions?

We have currently compared a lot. Regular bank loan (over 100,000 euros), repayment 2-4%, special repayment and provision as usual:

[*]5 years at 0.9%
[*]10 years at 1.25%
[*]20 years (KfW) at 1.5%

Provision is included for 6 months - the interest rate is probably only like this because it is a full repayment loan - without this "agreement" it goes up by at least 0.5%.

Then we sign it with a smile :)

With only six months, is that enough for you?

Buy an existing property that is being renovated - no new construction :)

Also actually much too cheap for a full repayment. But if there’s no catch, why not. You probably know what you’re doing with whom.