Overview
- Consorsbank lowered its two‑thirds example for a ten‑year loan to 3.49% from 3.58%, cutting the sample monthly payment by €13.
- Allianz trimmed a representative effective rate on a 25‑year loan to 4.57% from 4.62% based on 80% loan‑to‑value and 2% initial repayment.
- ING raised its sample effective rate for a €300,000 mortgage with a 15‑year fix to 4.20% from 4.12%, increasing the monthly payment by €17.50.
- BBBank and Comdirect nudged offers lower, while KfW kept its recently reduced program rates unchanged, including about 2.44%–3.11% for BEG 261 and 3.67%–4.01% for program 124.
- Broker data points to a 3.39%–4.18% corridor for competitive effective rates, with Interhyp citing roughly 3.74% for ten‑year loans and highlighting equity and energy efficiency as decisive factors for approvals.