Which credit model - 15 or 20 years?

but the bank requested a medical examination at the next appointment for the loan application :confused: (blood test, cardio checkup...), to know if we are also healthy.

I fixed the interest rate for less than half of the planned repayment period. As one is always being told again and again that you absolutely have to fix it for the entire term now and that interest rates will definitely rise..... For me, it's all gambling.... I might as well go to the casino and bet on red or black. Looking at the yield curve over the last 70 years, there is a clear trend..... which, however, does not allow any conclusions about the future.... but to argue as a result that interest rates will rise sharply, I find unfounded. And even if so, refinancing in 10 years with a 5-year fixed interest period will probably still be cheaper for me. Unless Greece, Italy, Spain, France, Portugal, and co. have left the Euro. And even then, the exit of these countries would very likely be accompanied by considerable inflation.

That is spectacularly unusual and really unacceptable. It is unforeseeable what will happen to this information at some point and into whose hands it might fall. Similar to DNA samples for life insurance, which should also be avoided.

Terrible, the forms this takes.