What is the interest rate lock period in construction financing?

I claim to have targeted significantly more banks than he did back then,

But certainly not more banks than three financial advisors... However, they already knew my key data, so my thesis that it has to do with the key data is reinforced. One question about that, do you have a KFW component in the loan? Your brother? Volksbanken are also strange. Everyone just does whatever they want there. Disclaimer: By strange I don’t mean bad. I am with Volksbank and ING myself. I find (my) Volksbank OK-good, I find ING annoying (but not because of the customer-friendly repayment options).

But certainly not more than three financial advisors for more banks...

I have had more than 5 financial advisors in total ;)
In the end, however, the local Sparkasse and some others would not have had a problem with <2% repayment.

One question regarding that, do you have a KfW component in the loan? Your brother?

Yes, I do. My brother does not in this case.

Yes, I have. My brother in this case has not.

Then at least one of my financial advisors lied or had no idea. Because he told me that with KfW you have to make at least 3% repayment. Almost like a hard-coded condition.

I have had more than 5 financial advisors in total ;)
Ultimately, however, the local Sparkasse and some others had no problem with <2% repayment.

In this respect, I have to revise my statement that banks no longer do this today. But I am convinced that it depends on the framework conditions and those who do it, don’t do it with everyone...
:p

Then at least one of my financial advisors lied or had no idea. Because he told me that with KfW you have to make at least 3% repayment. .

Or a misunderstanding on your part!? The KfW does indeed require at least 3% repayment for its component.

Sorry then, if there should be a misunderstanding between us here as well. Of course, I was only referring to the pure bank loan with my statement.

But then at least one of my financial advisors either lied or had no idea. Because he told me that with KfW you have to make a repayment of at least 3%. Practically as a hard-coded condition.

In this respect, I have to revise my statement that banks don’t do this anymore today.
However, I am convinced that it depends on the framework conditions and those who do it, don’t do it with everyone...
:p

The former is also true, but only for the KfW portion.

Ah ok, yes of course.
Nevertheless, my statement was also that there is no repayment below 2% for "normal" mortgage loans. And indeed, that was my misunderstanding, for everyone / for me.