Notice periods for forward loans

It's all a rip-off anyway...
well, whatever... better than paying 5% for the next four years, I'd rather take out a forward loan now for 02/2021... or wait a little longer...

Thanks for your assessments, I'll talk to the bank

I wouldn't wait. Lowest interest rates & 12 months no forward premiums

How high is the remaining debt and how high is the value?

I wouldn’t wait. Lowest interest rates & 12 months no forward surcharges

Tell that to the Danes. There, negative interest rates are already being passed on. And when I look at the potential interest rate development in the market and the widely expected key interest rate cut...
Mathematically, as a bank, I could already offer you a negative interest rate for a 10-year loan today and actually make good money with it. Why shouldn’t that become reality if the market as a whole goes significantly lower again?

So the remaining debt at the end of the regular term is about 101,000€... Value ~320,000€, although that seems somewhat underestimated to me...

So the remaining debt at the end of the regular term is about €101,000...
Value ~320,000€, although in my opinion this is set a bit low...

Best lending. Which installment are you currently paying? Normally, you would be done in 5 years if you keep the installment the same.

No, unfortunately we are not done yet.. our rate is now at ~€730/month at 1% repayment...

You haven’t paid off much yet during this time, with a value of 300 and still 100 in debt. But if you get a better interest rate now, it should be doable in a few years.