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

But then only as a full repayment, please. And with the option for special repayments...

...but we are being really childish here. No interested homebuyer takes us seriously anymore.

I think you are confusing the forum users and no one moves into a wet house.

...

I did not confuse any forum user.., the answers Payday gives in the threads are very .... remarkable

So, now please back to the topic:

I called the bank today, the offer from 1.6. at 1.99% for 20 years was corrected to 2.49%!

I called the bank today, the offer from 1.6. at 1.99% for 20 years was corrected to 2.49%!

And now are you waiting for another reduction? Or are you closing the deal now? What does the realization that interest rates (unfortunately) are variable (also upwards) lead you to?

It's a bit like trying to catch the desired train at the station. You don't want to be there too early, but still just manage to catch the train. Sometimes you only see the taillights.

This also has a bit to do with a "being-cheap-is-cool mentality." To get the best possible interest rate that can somehow be achieved. Then you are offered 1.99% for 20 years and it's still not enough. There could be more, they are still "too expensive."

It is often a very strange behavior.

Now a really stupid question. Apart from interest rate developments that no one can foresee. What exactly is the advantage of locking in an interest rate for as long as possible? By doing that, I am taking away the possibility to benefit from better offers due to significantly lower loan-to-value ratios at some point, right? It makes a huge difference whether I have a loan-to-value ratio of 90 or 50%. Or am I completely wrong about this?

Even if you choose a 20-year fixed interest period, there is a special termination right after 10 years. As a rule, however, this also applies from the bank’s side, unless it unilaterally excludes the special termination right.