Notice periods for forward loans

I finished 10 months ago and would get half the interest rate today too!!

It looks similar for me. But that's how the game goes. We all entered an interest rate bet when we signed a contract. Just like the thread starter with the forward loan. He thought it was a smart idea back then - which it certainly was - but things turned out differently. If it had been clear that interest rates would only go down or stay the same, I would have chosen a fixed interest period of 5 years, or can it also be directly updated daily? But maybe it will rise again soon, who knows. So don't mourn the money, the interest rate could also have gone up and we would have been patting each other on the back for how smart we were to finalize financing before the interest rate increase.

I am waiting to see what information the bank and the broker have for me in the next few days...

...He thought it was a smart idea back then - and it probably was - but things turned out differently..

You are right, basically I could be happy that I have/had an easily payable rate over the entire term... and I actually am...

But the prospect of 0.xx% is simply too tempting for me to remain completely relaxed about it...

I am waiting to see what information the bank and the broker have for me in the next few days... You are right, basically I could be happy that I have/had an easy-to-pay rate over the entire term... actually, I am... Only the prospect of 0.xx% is simply too tempting for me to stay completely relaxed about it...

As I said, please come by if it turns out negative. In my opinion, it must not.

Hello,

I have news on this topic.
I received a call today from the advisor of Dr. Klein.
She looked into it and MHB interprets the wording in the Construction Code differently than the customer does.
They refer to the part "...time of this agreement..."

For the bank, this time is the end of the term, in my case 2024....

That’s how she explained it to me on the phone...
Apparently, there are already some legal disputes where so far nobody has been able to get out of the contract early using the special termination right...

Now I am waiting for feedback from the house bank; we presented the whole thing to them in parallel... let’s see what comes from it, but I really don’t expect much positive...

And now?

Hello, I have news about this topic. I received a call today from the consultant at Dr. Klein. She looked into it and the MHB interprets the wording in the Building Code differently than the customer. They refer to the part "...time of this agreement..." For the bank, this time is the end of the term, in my case 2024.... That's how she explained it to me on the phone... There are apparently already some legal disputes, where so far in no case has anyone managed to get out of the contract early using the special termination right... Now I'm waiting for feedback from the house bank, since we presented the whole thing to them in parallel... let's see what comes, but I don't really expect much positive... And now?

Wait and see what the bank says! Then the ombudsman! Then a lawyer! You cannot stand against the applicable law.

Hi,

Update:
the house bank can now no longer obtain any information from MHB, because I have issued a brokerage order to the Dr. Klein broker so that they, in turn, receive information from MHB...

Now I first have to withdraw the brokerage order again so that my house bank can do something again...

Is all this normal?

... I'm slowly losing interest...