Real estate financing with Euribor fixed interest rate swap loans?

@lastdrop: That is also my feeling, but the conditions are not even remotely as good as a regular fixed-interest mortgage loan; hence my question in this forum. I have a so-so feeling and (very very sad to say: I do not trust any of the bankers to really take my concerns into account).

@nordanney: that sounds unpleasantly interesting. No idea about additional collateral if the interest rate development goes against all expectations, very good point because in every conversation a rising Euribor was assumed (and what if we end up in a Japanese situation?). Existing swap upon termination: no idea, that is now number 1 on my list. It is a commercial property and leverage is demanding (just over 70%), but good coverage by AAA tenant (fixed for 15 years). Do you have more such questions? That is exactly what I need, I have no experience with such an instrument. Many thanks for the input, very helpful.

Best regards Tom317

In case of termination, the negative market value must be paid by a compensation payment. Only if the contract is held until the end can the issue be disregarded. Since you never know that today, the swap represents an interest rate speculation. I would not want to put myself through that. The entrepreneurial risk of your project seems sufficient to me.