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

Depends on where you buy it from

It's a bit off-topic now, but we consciously decided on a branded kitchen studio and placed great value on very good advice. You spend a lot of time in the kitchen and work with it. From my point of view, considerations regarding workflows, work processes, and tips from experienced consultants are already worth the money. Not to mention the high-quality material, which I of course tested and compared extensively beforehand. At other kitchen studios, I sometimes even ended up with higher prices.

Then I'll go off-topic: Go to the carpenter you trust, and you'll not only have an absolutely individual kitchen, but also a surprisingly low price that many would never expect

0% financing on kitchens is nonsense. Nobody gives anything away for free, so the price is higher. Furthermore, especially in the first years in the new house, you have to pay off another loan, whereas you would rather invest your free money in the house. And if you now finance more in order to also buy the lawnmower and so on, you might as well include the kitchen. In the end, it’s just back and forth calculations (whether I finance €10,000 for the kitchen or €10,000 for the garage makes no difference) with little to no difference. What a reasonable kitchen can and should cost is something everyone has to decide for themselves. In terms of price-performance, hardly anything beats an Ikea kitchen with appliances bought online and self-assembly. The price is hard to beat, but you have to do everything yourself (planning, (transport - you can have it delivered, but that’s far too expensive...), assembly).

Rarely have I read so much nonsense at once...

rarely have I read such stupid comments, except from you. your argumentation is brilliant.

the fact is that an Ikea kitchen plays at the very top in terms of price-performance. the electrical appliances can be bought online super cheap without any problems, the cabinet components (of course not the cheapest junk surfaces) are not really worse in quality than what you get with a finished kitchen costing 10,000-12,000€. the prices are transparent, every single part is labeled with a price. the kitchen thread in the forum also confirms that I am right here. I am not saying that the Ikeaküche is the ultimate. we will not have an Ikea kitchen either. but those who have to watch every cent can save a lot of money here without their electrical appliances suffering.

it is also generally known that with 0% financing the price is raised beforehand. therefore, the entire argument about whether a kitchen should be co-financed through the mortgage has become practically pointless, because nothing changes.

so now tell me exactly what is wrong with any of this or just shut the ... up. thank you very much! your comments are simply stupid and provocative.