Offer of financial consulting - Is the interest rate okay?

Special repayments are hardly used anyway. It's something for the conscience (only about 2% of those entitled to special repayments actually use them - the money is more likely spent on life). If anything, then forced savings = higher repayment.

Special repayments are hardly used anyway. It's something for the conscience (only about 2% of those entitled to make special repayments actually use them - the money is mostly spent on living expenses). If anything, forced saving = higher repayment.

Finally, someone speaks out. Thank you! I know slightly different figures, but the core is so true... that's why it is offered so generously. ;-)

Finally, someone says it out loud. Thanks! I know slightly different numbers, but the core is so true... that's why it's offered so generously. ;-)

The numbers are just two weeks old and come from the cooperative sector (not entirely precise, but if it's 2.5%, it doesn't make a difference ;)).

are all financial philistines :)

The winners of the current interest rates are the follow-up borrowers. They have gotten used to the high burden, refinance and stay with the annuity with higher repayment. Unless they go to the comrades :) Then they get the annuity reduced .)

I belong to the 2.5% :-)

Well, everyone can freely choose and negotiate the contract terms for follow-up financing. So no one gets anything forced upon them anywhere. It is generally common practice to maintain the current repayment rate, which results in an annuity that is lower today. By the way, almost all banks do it that way. And you should definitely use your own brain. Or does anyone blindly sign whatever they get from the bank?

Nevertheless, everyone is free to keep the annuity and consequently increase the repayment. A phone call and 5 minutes should be enough at any good bank for that.

How does it look regarding negotiation basis? Are the interest rates rather fixed? Furthermore, we have now found an offer with 1.49% - however, with only 2 months of free provision. If I calculate roughly, it is the same in the end (whether I pay the €2250 over 15 years in more interest or the same amount at the beginning for the provision). Then there was another offer from [Postbank], also at 1.47% - we will make another appointment today to review the rest of the conditions.