Zaba12
2019-01-16 12:01:10
- #1
Hmm... now, purely logically considered, your mentioned conditions.... "the special repayments must come from equity, we are not allowed to 'simply refinance' within the first 10 years"... are nonsensical and do not justify these conditions in any way.A small update: I had the meeting at Haus & Wohnen last night, the flexible offer with 1.72% for 20 years remains. The only condition: the special repayments must come from equity, we are not allowed to "simply refinance" within the first 10 years – which I find acceptable for now, I don't expect interest rates to fall significantly again... If, for example, one of us were to suddenly pass away, we could immediately repay with the payout from the life risk insurance. Or we inherit, or sell, or whatever. I find the condition fair. After 10 years, we could still exit if desired. So we will now have the loan agreement prepared. Two appointments are still pending, one at the house bank and one at Dr. Klein, I'm curious if anyone will go along with it. I will let you know how it ends up in the end.
1. Special repayments come 100% from a savings rate, therefore own capital, because special repayments from a consumer loan are simply nonsensical.
2. The fixed interest period and thus the prepayment penalty "already" prevent you, with your high loan amount, from refinancing the loan prematurely.
If the broker is telling the truth and you have understood everything correctly, then you can calmly sign.
My personal opinion:
I don't know any bank on the market that grants such conditions.
There are good reasons why variable mortgage loans are more expensive than loans with fixed interest rates.
And finally: I am now the 2nd or 3rd to ask the lending bank! So which one is it after all?