Important tip to protect interest rate offer / Interhyp: Complete
and up-to-date documents are the key to securing conditions
Munich (ots) –
– In times of almost daily rising interest rates, speed and
Accuracy when submitting the documents is essential
– Only if all the necessary documents are with the lender by the deadline, has that
Interest rate offered by the bank stock
The second decimal place of the building interest changes almost daily. who in these
Weeks if you want to buy a property can be a few days apart
receive different monthly installments for the same loan amount. As soon
However, a customer receives a specific offer from a lender
received, this is valid for five to 10 days, which varies from bank to bank. “However
really have to submit all the necessary documents to the bank during this time
otherwise this interest rate offer expires,” says Mirjam Mohr, board member
Private customer business at Interhyp, Germany’s largest private broker
construction financing. And there are usually no exceptions to this: “We
We therefore recommend that you speak to a financing advisor in advance
consultants so that every document is ready to hand should the worst come to the worst.”
Interest rates on 10-year loans are down from 1% to 1.8% year-to-date
gone up. This increases with a financing requirement of 300,000 euros for
a property the monthly rate around 200 euros. That’s 2,400 euros a year and
24,000 euros in ten years.
Anyone who has finally found the right house or apartment is standing
been under considerable pressure for a long time. The scarce offer and the
Rising real estate prices are already leading to a difficult situation
for seekers. Now interest rates are also rising, almost every day. “Who in
receives a concrete loan offer from a bank these days, has a maximum
five to ten days to submit all documents. As long as she stays
condition,” says the Interhyp board member. “We know from experience that
that customers do not always have every document they want
have reach. Then there is an income tax assessment somewhere
in the attic, or for the calculation of living space, a rough floor plan of the
Property drawn by hand.” But if you miss the deadline, your condition
cannot be secured. And this can be current in the long run for the
buyers will be expensive. Mirjam Mohr: “Well prepared, that’s how
always half the battle, we recommend reading the standard documents first
to search together.”
Not every bank, savings bank or insurance company has the same specifications, but they do
All property seekers should have the following documents quickly at hand:
Personal documents
– ID card
– Payslips for the last three months (if applicable)
pension certificate)
– Bank statements for the past three months
– Official proof of equity or capital income, e.g
Account statement, deposit statement
– Income tax assessments for the past two years
– For the self-employed: current business evaluation, balance sheets
past two years
object documents
– Photos of the property (front and back)
– Construction drawing/floor plan
– Construction documents (living area calculation, view, section, building description)
– Extract from the land register (not older than three months)
– Sales contract or draft
– Energy proof
– List of the planned own contribution
– Field maps / site plan
– Evidence of planned or already implemented modernization
– Declaration of division for apartments
– Leasehold contract for leaseholds
When building a property, when buying a property as an investment, for
Modernizations or follow-up financing and debt restructuring
add other documents if necessary.
About Interhyp
The Interhyp Group is one of the leading addresses for private
Construction financing in Germany. With the Interhyp brands, which are directly related to
which is aimed at end customers, and Prohyp, which is aimed at
Individual brokers and institutional partners
the company in 2021 a financing volume of 34.2 billion euros
successfully placed with its more than 500 financing partners. At the same time connects
the Interhyp Group the performance of the self-developed
Construction financing platform Home with customer-oriented digital offers and the
multi-award-winning competence of its financing specialists
-specialists. The Interhyp Group employs around 1,700 people
employees and is personally on site for her customers at over 100 locations
and customers and partners present.
Press contact:
Caroline Neider, company spokeswoman, Interhyp AG, Domagkstraße 34, 80807
Munich, phone: +49 (89) 20307 1201, email: [email protected],
https://interhyp.de
Further material: http://presseportal.de/pm/12620/5175713
OTS: Interhyp AG