Provision interest - loan approval before submitting the building application?

But you do know that the LS Bank is a development bank, right? You probably won’t find better conditions elsewhere. And then the bank dictates the condition.

In NRW, there were loans at 0.5% with a 0.5% ongoing fee. Nobody negotiates away the fee either.

These are good conditions from my point of view; I would define a dream differently..

Your 2.11% as a full repayer is a dream but for various reasons not, and I consider it completely unnecessary. It would never have been an option for me; it can be solved differently and better.

What loan-to-value ratio was the condition based on?