ZTwo cases must be distinguished: on the one hand, those who are currently in the process of financing and will have to extend their loan at some point, and on the other hand, those who do not yet have a property but might want to buy one soon. In the first case, forward loans are ideal. Up to five years before the current loan expires, a new loan agreement can be concluded today at current interest rates plus an interest surcharge.
According to Max Herbst, Managing Director of FMH-Finanzberatung, this has not recently increased, although general building interest rates have already risen sharply. Max Herbst currently sees interest rate premiums of 0.23 percentage points for 24 months, 0.36 percentage points for 36 months, 0.49 percentage points for 48 months and 0.61 percentage points for contracts that are already concluded 60 months before they come into force.
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