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

our building application was signed yesterday. therefore, time is currently against us and we need to make a decision soon.

what actually happens if I accept an offer now and realize in 2 weeks that interest rates have dropped significantly. keyword 2-week right of withdrawal.
this should be reflected in the SCHUFA, right?

Why should this be reflected in the SCHUFA? I refer all short-term eligible signatories to my statement shortly before. I will secure the 10 years at 1.1%. Even in 10 years it is utopian to set up refinancing for worse than 3% over 10 years. Much more, I think we will still be at 2, or better conditioned. Anything else would be cold turkey which no junkie finds pleasant.

Where are you currently securing 1.1 for 10 years?

Maybe they are still remnants from 14 days ago.

Currently, at best 1.5, rather realistic over 10 years.

Is it advisable to sign a building savings contract for, say, half of the construction sum when planning a construction project in 2-3 years?

Basically as a safeguard against the impending interest rate increase.

If you "have money left over," you can certainly do something like that. But that always applies, not just in the current situation.

Running around in a frenzy and panicking now is the wrong way.

I don’t plan to pay more into the building savings contract than I have so far, so it apparently isn’t worth it then..