Opinion on financing proposal / current conditions

We are building KfW55 and as far as I know, the 0.75% still applies with a 10-year fixed interest period. The fixed interest period for the bank loan was 20 years. We wouldn't want to fix it longer either.

Correct, with KfW 55 the 0.75% currently still applies with a 10-year fixed interest period. Additionally, there is currently a repayment bonus for KfW 55 houses. By the way, the tightening of the Energy Saving Ordinance next year does not affect your KfW 55 standard if it is already met according to today's requirements. However, how the subsidies for KfW 55 houses will look next year is still up in the air...

Without some details about your financing, it is difficult to assess the interest offer from your bank. With the information available, I don't find the interest rate for 20 years overpriced.

Hello, it may be that this is the current interest rate for 20 years. Have you asked the common brokers (Dr. Klein / Interhyp) etc pp? You can also get a free offer there. You have a "standard financing". Comparing is worthwhile!

The example I posted was from Dr. Klein.

Without a few details about your financing, it is difficult to assess the interest rate offer of your bank. With the available information, however, I do not find the interest rate for 20 years to be overpriced.

What details are still missing for an assessment? I just found it surprising that there is such a large difference (0.64 percentage points) between the offer of a bank that also offers KfW loans and the offer of a bank or insurance that does not offer KfW loans.

What counts is the blended interest rate (an assumption must be made for the follow-up interest rate at the KfW).