Our financial situation - Your opinion?

because the house banks have to finance their “glass palaces.”

They can still do that. Namely with the customers who accepted the first interest rate offered by the bank. I suspect that is the majority.

The game only works as long as you receive offers that are lower. In our specific case, for example, Deutsche Bank has repeatedly said that they cannot / do not want to / will not go along with CB's offer. How am I supposed to get CB to a better interest rate if they are already the best?

Take only as much credit as you can get. Nowadays there are such crazy price increases… even somewhere in the middle of nowhere, you can sell a relatively new house for higher prices than it was built for. I wouldn't worry about that…

You wouldn't worry in times when prices are exploding even in the absolute middle of nowhere, but just take out the maximum credit? That would always make you a welcome participant in any pyramid scheme in the world..

The OP could indeed take out more than enough credit and manage it well with a 20-year fixed interest rate. But that is the exception. Others take out more, earn hardly more than half, and plan for almost 40 years with low repayment. That is obviously Harakiri with a warning.

Everything fits here. More than enough equity, income top for NI, and building land still cheap. If the job prospects are secure, you can start calmly and enjoy the pregnancy. The end of peace is coming anyway soon.. ;)

How am I supposed to get the CB to offer a better rate when they are already the best?

If you ask me like that: not at all. Then you have already gotten the best possible deal. To be honest, I don’t understand where the problem lies. Any hypothetical, last hundredths of a percent won’t decide your fate now, will they? ;)

Interest rates are great, one way or another. But somehow I also thought we would end up below 1%. Now that quite a lot has happened in the market again, I am curious about the offers.

What would be a good offer from your perspective based on our information?

What would be a good offer from your point of view based on our information?

At this volume (actually in general) it doesn't really matter whether it's 0.9% or 1%.
With a rate of €2500, that's just €27 more interest per month. And that's for a million project, if you include the land.