Your opinion on the financing offer

It can be ANY bank. Your behavior towards mostly reputable providers (which I also count private banks and some intermediaries among) is antisocial!

The fact that the repayment is too low is beyond question, but you are comparing apples and oranges. Because in order to be able to compare at all, depending on the perspective, the initial repayment rate or the monthly burden must remain the same. As soon as you adjust the repayment, it is NOT COMPARABLE.

Why can you only refinance weakly? I would like to see the low interest surcharge then. In addition to higher interest rates, optional risks must be priced in. That also doesn’t come free. At no bank. You contradict yourself.

The additional costs can also be put into a higher repayment again, right Comparisons?

It is and remains an individual decision that cannot be answered due to lack of information.

First of all, many thanks to those who have shared their opinions without prejudice.

:
I have only made the offer available for discussion. We have not concluded anything.
Of course, we will request and compare further offers.
This was only the second one presented to us.
The conditions at the first bank were abysmally bad, which is why we were initially positively surprised by this one.
(By the way, not our house bank, none of the ones mentioned).

We are definitely not risk-takers and therefore, after having slept on it, decided against this type of financing... hoping that more suitable offers will follow.

Unfortunately, we are still novices in this field, which makes it difficult for us to immediately assess the advantages/disadvantages and risks.

On Friday we have an appointment at Interhyp... let's see what they can offer.