Question about the effective annual interest rate

As far as I understand, all the items that must be concluded with the same bank are included. Otherwise, the bank overprices them and makes the interest cheaper for it. Ikea did this for a while with their 0% financing. It had no interest for 10 months, but a 49 euro fee that was not added to the financing, but you couldn’t avoid it either.

All costs necessary for you to be granted the loan by your bank are relevant to the effective interest rate. This starts with the mentioned costs for the mortgage, includes building savings contracts offered as part of the concept, and extends to insurances required for the bank’s approval ([Koppelungsgeschäfte]). These must then also be appropriately indicated to you in the so-called ESIS sheet. If you do not have this, I would first inquire about it.

There are no insurances included with us. Building insurance is stated in the contracts. But that is also in our own interest. No documents are requested either.

Then you are also not forced to take out the insurances at your bank.

No one should be forced to take out insurance at any bank. These are dishonest tying arrangements.

According to the new WKR definition, you always have a tying transaction when additional transactions are carried out alongside a bank loan as part of the financing. Even if these arise at the initiative of the borrower.

I strongly doubt that these are always unscrupulous (death, disability insurance), although such cases certainly exist (e.g. bank loan with repayment through insurance).

The bank can't force you to do anything anyway. Either you accept the offered conditions or you don't.