Own home: interest rate development / interest rate / interest rate increase / conditions

I wonder how sensible it is to co-finance a kitchen, when I can currently finance kitchens at 0.0% interest in almost every kitchen center/house..... but then look at every decimal place for the home financing......

As reasonable as arguments like "But then I only have one debit per month and don't lose track" - I could still laugh myself silly over the reasoning

I wonder how sensible it is to co-finance a kitchen, when I can currently finance kitchens at almost 0.0% interest at basically every kitchen center/house..... but then scrutinize every decimal place in the house financing.....

I can well imagine that you have much more room for negotiation when you pay "cash". And I've heard stories that resemble an oriental bazaar: You start at 20,000 EUR and end up at 11,400 EUR...

If you come to the financing at the end, you have neither an advantage nor a disadvantage – the negotiation is done nicely beforehand

I wonder how sensible it is to co-finance a kitchen when I can currently finance kitchens at almost 0.0% in almost every kitchen center/store..... but then scrutinize every decimal place in the home financing......

There was a discussion about this some time ago here in the forum.
Summary:
The interest rates on financing at a kitchen studio may be cheaper than with building financing. However, the term of the kitchen loan is also significantly shorter. As a result, the monthly burden for the kitchen (kitchen studio) is significantly higher (the amount has to be repaid in a much shorter time).
This raises the question: Who has the ability to bear an additional burden of 300-500 euros (depending on the agreed term) alongside the burden for the building financing, the ancillary costs, and the monthly reserves? Would it not be more sensible to pay an interest rate X (like the building financing interest) and amortize the kitchen loan over, for example, 10 - 20 years?

Paying everything in cash is better than financing.. That is clear. Like with the car, you probably have similar options with the kitchen if you show up as a cash payer. But if the money for a kitchen is not (yet) there later, it becomes difficult. Who knows if you can even get a 0% financing after the construction loan, let alone if it is healthy to add another financing on top

From a calculation point of view, it is nonsense to finance the kitchen over 20 years with x percent, but certainly easier

Regards