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

I feel the same as the thread starter. Make an offer and then it gets corrected. The interest rates are supposedly going to rise again. Is 2.1 currently realistic for 15 years?

It depends, as always, on the loan-to-value ratio and yes, the interest rate is within the usual range.

They also know why. Presumably, that would be a very, very short confrontation. That is why there will never be a Federal Court of Justice ruling on this. No bank is crazy enough, but you can "try" it, and there are plenty of borrowers who put up with it. It is indeed surprising.

And what do the borrowers do who don’t put up with it? What are "fair" conditions for commitment fees? Are they agreed upon in advance? Do banks negotiate on that?

One more question for understanding:
- for drawn amounts, I pay the normal agreed interest
- for undrawn amounts, after time X, I pay commitment fees (usually 3% p.a.)
- repayment starts when the loan is drawn 100% or the remaining amount is waived.

Is that correct?

Yes (unless otherwise agreed herein).

Please pay attention to point 3. I know loan agreements within the family, where repayment had already started even though not everything had been drawn yet.

Try it at Sparda Bank. You might still get the May conditions.