{"id":910,"date":"2024-02-11T19:11:26","date_gmt":"2025-01-07T15:00:00","guid":{"rendered":"https:\/\/finbird.de\/?page_id=910"},"modified":"2026-05-04T13:08:58","modified_gmt":"2026-05-04T12:08:58","slug":"mortgage-rates","status":"publish","type":"page","link":"https:\/\/finbird.de\/en\/bauzinsen\/","title":{"rendered":"Bauzinsen f\u00fcr die Baufinanzierung"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"910\" class=\"elementor elementor-910\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-affdaa6 e-con-full e-flex e-con e-parent\" data-id=\"affdaa6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff2d90e elementor-widget elementor-widget-jet-engine-component-45627\" data-id=\"ff2d90e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-engine-component-45627.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-45627 .elementor-element.elementor-element-40206c8{--display:flex;--min-height:90vh;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--justify-content:center;--overlay-opacity:0.85;}.elementor-45627 .elementor-element.elementor-element-40206c8:not(.elementor-motion-effects-element-type-background), .elementor-45627 .elementor-element.elementor-element-40206c8 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-position:center center;background-size:cover;}.elementor-45627 .elementor-element.elementor-element-40206c8::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .elementor-background-video-container::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .e-con-inner > .elementor-background-video-container::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .elementor-background-slideshow::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .e-con-inner > .elementor-background-slideshow::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .elementor-motion-effects-container > .elementor-motion-effects-layer::before{--background-overlay:'';background-color:transparent;background-image:linear-gradient(90deg, var( --e-global-color-eb3c29e ) 35%, var( --e-global-color-c9eb684 ) 100%);}.elementor-45627 .elementor-element.elementor-element-28642bd{--display:flex;--margin-top:125px;--margin-bottom:50px;--margin-left:0px;--margin-right:0px;--padding-top:25px;--padding-bottom:25px;--padding-left:25px;--padding-right:25px;}.elementor-45627 .elementor-element.elementor-element-ea5c141 .elementor-heading-title{font-family:var( --e-global-typography-6fe43e8-font-family ), Sans-serif;font-size:var( --e-global-typography-6fe43e8-font-size );font-weight:var( --e-global-typography-6fe43e8-font-weight );line-height:var( --e-global-typography-6fe43e8-line-height );letter-spacing:var( --e-global-typography-6fe43e8-letter-spacing );word-spacing:var( --e-global-typography-6fe43e8-word-spacing );color:var( --e-global-color-accent );}.elementor-45627 .elementor-element.elementor-element-8cb7e1b .elementor-heading-title{font-family:var( --e-global-typography-c69435a-font-family ), Sans-serif;font-size:var( --e-global-typography-c69435a-font-size );font-weight:var( --e-global-typography-c69435a-font-weight );line-height:var( --e-global-typography-c69435a-line-height );letter-spacing:var( --e-global-typography-c69435a-letter-spacing );word-spacing:var( --e-global-typography-c69435a-word-spacing );color:var( --e-global-color-ae76eea );}.elementor-45627 .elementor-element.elementor-element-8cb7e1b{margin:0px 0px calc(var(--kit-widget-spacing, 0px) + 0px) -5px;}.elementor-45627 .elementor-element.elementor-element-2eed972 .elementor-heading-title{font-family:var( --e-global-typography-9049725-font-family ), Sans-serif;font-size:var( --e-global-typography-9049725-font-size );font-weight:var( --e-global-typography-9049725-font-weight );line-height:var( --e-global-typography-9049725-line-height );letter-spacing:var( --e-global-typography-9049725-letter-spacing );word-spacing:var( --e-global-typography-9049725-word-spacing );color:var( --e-global-color-05ad663 );}.elementor-45627 .elementor-element.elementor-element-be9e6c4{--spacer-size:35px;}.elementor-45627 .elementor-element.elementor-element-e9cd174 .elementor-button{font-family:var( --e-global-typography-842b935-font-family ), Sans-serif;font-size:var( --e-global-typography-842b935-font-size );font-weight:var( --e-global-typography-842b935-font-weight );line-height:var( --e-global-typography-842b935-line-height );letter-spacing:var( --e-global-typography-842b935-letter-spacing );word-spacing:var( --e-global-typography-842b935-word-spacing );fill:#101820;color:#101820;background-color:#D8EF11;padding:13px 40px 15px 40px;}.elementor-45627 .elementor-element.elementor-element-095c9a4{--spacer-size:5px;}.elementor-45627 .elementor-element.elementor-element-ecc6afa .elementor-icon-list-items:not(.elementor-inline-items) .elementor-icon-list-item:not(:last-child){padding-block-end:calc(25px\/2);}.elementor-45627 .elementor-element.elementor-element-ecc6afa .elementor-icon-list-items:not(.elementor-inline-items) .elementor-icon-list-item:not(:first-child){margin-block-start:calc(25px\/2);}.elementor-45627 .elementor-element.elementor-element-ecc6afa .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item{margin-inline:calc(25px\/2);}.elementor-45627 .elementor-element.elementor-element-ecc6afa .elementor-icon-list-items.elementor-inline-items{margin-inline:calc(-25px\/2);}.elementor-45627 .elementor-element.elementor-element-ecc6afa .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item:after{inset-inline-end:calc(-25px\/2);}.elementor-45627 .elementor-element.elementor-element-ecc6afa .elementor-icon-list-icon i{color:var( --e-global-color-accent );transition:color 0.3s;}.elementor-45627 .elementor-element.elementor-element-ecc6afa .elementor-icon-list-icon svg{fill:var( --e-global-color-accent );transition:fill 0.3s;}.elementor-45627 .elementor-element.elementor-element-ecc6afa{--e-icon-list-icon-size:14px;--e-icon-list-icon-align:center;--e-icon-list-icon-margin:0 calc(var(--e-icon-list-icon-size, 1em) * 0.125);--icon-vertical-align:center;--icon-vertical-offset:0px;}.elementor-45627 .elementor-element.elementor-element-ecc6afa .elementor-icon-list-icon{padding-inline-end:0px;}.elementor-45627 .elementor-element.elementor-element-ecc6afa .elementor-icon-list-text{color:var( --e-global-color-ae76eea );transition:color 0.3s;}@media(max-width:1250px){.elementor-45627 .elementor-element.elementor-element-40206c8{--min-height:70vh;}.elementor-45627 .elementor-element.elementor-element-40206c8::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .elementor-background-video-container::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .e-con-inner > .elementor-background-video-container::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .elementor-background-slideshow::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .e-con-inner > .elementor-background-slideshow::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .elementor-motion-effects-container > .elementor-motion-effects-layer::before{background-color:transparent;background-image:linear-gradient(90deg, var( --e-global-color-eb3c29e ) 75%, var( --e-global-color-c9eb684 ) 100%);}.elementor-45627 .elementor-element.elementor-element-ea5c141 .elementor-heading-title{font-size:var( --e-global-typography-6fe43e8-font-size );line-height:var( --e-global-typography-6fe43e8-line-height );letter-spacing:var( --e-global-typography-6fe43e8-letter-spacing );word-spacing:var( --e-global-typography-6fe43e8-word-spacing );}.elementor-45627 .elementor-element.elementor-element-8cb7e1b .elementor-heading-title{font-size:var( --e-global-typography-c69435a-font-size );line-height:var( --e-global-typography-c69435a-line-height );letter-spacing:var( --e-global-typography-c69435a-letter-spacing );word-spacing:var( --e-global-typography-c69435a-word-spacing );}.elementor-45627 .elementor-element.elementor-element-2eed972 .elementor-heading-title{font-size:var( --e-global-typography-9049725-font-size );line-height:var( --e-global-typography-9049725-line-height );letter-spacing:var( --e-global-typography-9049725-letter-spacing );word-spacing:var( --e-global-typography-9049725-word-spacing );}.elementor-45627 .elementor-element.elementor-element-e9cd174 .elementor-button{font-size:var( --e-global-typography-842b935-font-size );line-height:var( --e-global-typography-842b935-line-height );letter-spacing:var( --e-global-typography-842b935-letter-spacing );word-spacing:var( --e-global-typography-842b935-word-spacing );}}@media(max-width:767px){.elementor-45627 .elementor-element.elementor-element-40206c8::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .elementor-background-video-container::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .e-con-inner > .elementor-background-video-container::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .elementor-background-slideshow::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .e-con-inner > .elementor-background-slideshow::before, .elementor-45627 .elementor-element.elementor-element-40206c8 > .elementor-motion-effects-container > .elementor-motion-effects-layer::before{background-color:transparent;background-image:linear-gradient(90deg, var( --e-global-color-eb3c29e ) 100%, var( --e-global-color-c9eb684 ) 100%);}.elementor-45627 .elementor-element.elementor-element-28642bd{--margin-top:25px;--margin-bottom:25px;--margin-left:0px;--margin-right:0px;--padding-top:10px;--padding-bottom:10px;--padding-left:10px;--padding-right:10px;}.elementor-45627 .elementor-element.elementor-element-ea5c141 .elementor-heading-title{font-size:var( --e-global-typography-6fe43e8-font-size );line-height:var( --e-global-typography-6fe43e8-line-height );letter-spacing:var( --e-global-typography-6fe43e8-letter-spacing );word-spacing:var( --e-global-typography-6fe43e8-word-spacing );}.elementor-45627 .elementor-element.elementor-element-8cb7e1b{text-align:start;padding:0px 0px 0px 0px;}.elementor-45627 .elementor-element.elementor-element-8cb7e1b .elementor-heading-title{font-size:var( --e-global-typography-c69435a-font-size );line-height:var( --e-global-typography-c69435a-line-height );letter-spacing:var( --e-global-typography-c69435a-letter-spacing );word-spacing:var( --e-global-typography-c69435a-word-spacing );}.elementor-45627 .elementor-element.elementor-element-2eed972 .elementor-heading-title{font-size:var( --e-global-typography-9049725-font-size );line-height:var( --e-global-typography-9049725-line-height );letter-spacing:var( --e-global-typography-9049725-letter-spacing );word-spacing:var( --e-global-typography-9049725-word-spacing );}.elementor-45627 .elementor-element.elementor-element-e9cd174 .elementor-button{font-size:var( --e-global-typography-842b935-font-size );line-height:var( --e-global-typography-842b935-line-height );letter-spacing:var( --e-global-typography-842b935-letter-spacing );word-spacing:var( --e-global-typography-842b935-word-spacing );}}@media(min-width:768px){.elementor-45627 .elementor-element.elementor-element-40206c8{--content-width:1600px;}.elementor-45627 .elementor-element.elementor-element-28642bd{--width:65%;}}@media(max-width:1250px) and (min-width:768px){.elementor-45627 .elementor-element.elementor-element-28642bd{--width:100%;}}\/* Start custom CSS for heading, class: .elementor-element-8cb7e1b *\/@media (max-width: 1024px) {\n    .elementor-45627 .elementor-element.elementor-element-8cb7e1b {\n        hyphens: auto;\n        text-wrap: balance;\n    }\n}\/* End custom CSS *\/\n\/* Start custom CSS for heading, class: .elementor-element-2eed972 *\/.elementor-45627 .elementor-element.elementor-element-2eed972 {\n    text-wrap: balance;\n}\/* End custom CSS *\/\n\/* Start custom CSS for icon-list, class: .elementor-element-ecc6afa *\/.elementor-45627 .elementor-element.elementor-element-ecc6afa .elementor-icon-list-item:has(.elementor-icon-list-text:empty) {\n    display: none;\n}\/* End custom CSS *\/\n\/* Start custom CSS for container, class: .elementor-element-40206c8 *\/.elementor-45627 .elementor-element.elementor-element-40206c8 {\n    transition: none;\n}\/* End custom CSS *\/<\/style><style type=\"text\/css\">.jet-component-instance-9027.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8:not(.elementor-motion-effects-element-type-background), .jet-component-instance-9027.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/other\/home-interest-rates.jpg\");}@media(max-width:1250px){.jet-component-instance-9027.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8:not(.elementor-motion-effects-element-type-background), .jet-component-instance-9027.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/other\/home-interest-rates.jpg\");}}@media(max-width:767px){.jet-component-instance-9027.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8:not(.elementor-motion-effects-element-type-background), .jet-component-instance-9027.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/other\/home-interest-rates.jpg\");}}<\/style>\t\t<div data-elementor-type=\"jet-engine-component\" data-elementor-id=\"45627\" class=\"elementor elementor-45627 jet-listing-grid--45627 jet-component-instance-9027\" data-elementor-post-type=\"jet-engine\" style=\"\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40206c8 e-flex e-con-boxed e-con e-parent\" data-id=\"40206c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-28642bd e-con-full e-flex e-con e-child\" data-id=\"28642bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8cb7e1b elementor-widget elementor-widget-heading\" data-id=\"8cb7e1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgage Rates<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2eed972 elementor-widget elementor-widget-heading\" data-id=\"2eed972\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><p>finbird helps you to better understand economic developments and their impact on mortgage interest rates.<\/p><\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be9e6c4 elementor-widget elementor-widget-spacer\" data-id=\"be9e6c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9cd174 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"e9cd174\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-en.finbird.digital\/?source=\/en\/mortgage-rates\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact An Advisor<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-095c9a4 elementor-widget elementor-widget-spacer\" data-id=\"095c9a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecc6afa elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ecc6afa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-efeb8fb e-flex e-con-boxed e-con e-parent\" data-id=\"efeb8fb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aedcbf1 elementor-widget elementor-widget-heading\" data-id=\"aedcbf1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mortgage Rates and the ECB<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e53c89 elementor-widget elementor-widget-text-editor\" data-id=\"0e53c89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mortgage interest rates play a major role in property financing. Borrowers pay mortgage interest to lenders in order to receive a mortgage to purchase a home. There are two types of interest rate structures for mortgages: fixed and variable. Payable mortgage rates for loans with fixed interest rates are fixed for a predefined period (usually 10 or 20 years or more) and are not subject to any changes in the interest rate market during this fixed interest rate period. Variable-rate mortgages are usually only fixed for three months and their interest rates change at short notice with the mortgage interest rates on the interest rate market.<\/p><p>A monthly loan installment usually always consists of the components interest and amortization, so that the amount of the interest rate can have a significant influence on the monthly burden of a borrower. In addition to the amount of the monthly installment, the interest rate also has an influence on the total costs or the general feasibility of a financing. Higher interest rates mean higher monthly mortgage payments and low interest rates mean lower monthly payments.<\/p><p>On the one hand, the refinancing rates set by the ECB or other central banks are relevant, but on the other hand, so are the bonds or mortgage bonds that banks use to refinance themselves and whose construction interest rates they pass on to borrowers with a margin. Construction interest rates can be sensitive to general economic conditions and developments, including the interest rate policies of central banks such as the ECB.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72f5798 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"72f5798\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-en.finbird.digital\/?source=\/en\/mortgage-rates\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request Mortgage Rates<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f13f28 e-con-full e-flex e-con e-parent\" data-id=\"2f13f28\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-1d88137 e-con-full e-flex e-con e-child\" data-id=\"1d88137\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<a class=\"elementor-element elementor-element-4ad73fa e-flex e-con-boxed e-con e-child\" data-id=\"4ad73fa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d20517 elementor-widget elementor-widget-image\" data-id=\"6d20517\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/calendar-icon-yellow.png\" class=\"attachment-large size-large wp-image-7191\" alt=\"Gelbes Icon mit stilisiertem Kalender \u2013 Symbol f\u00fcr Termine, Zeitplanung oder Fristen\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/calendar-icon-yellow.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/calendar-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e8ce03 elementor-widget elementor-widget-heading\" data-id=\"2e8ce03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Monthly Financing Installment<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6739c68 elementor-widget elementor-widget-text-editor\" data-id=\"6739c68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A loan installment usually consists of two components: interest and amortization. When interest rates are high, the monthly payment can increase and the maximum amount of financing can be reduced, while lower interest rates allow for higher financing amounts due to lower monthly payments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-63f7f64 e-flex e-con-boxed e-con e-child\" data-id=\"63f7f64\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0919ea3 elementor-widget elementor-widget-image\" data-id=\"0919ea3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/accounts-icon-yellow.png\" class=\"attachment-large size-large wp-image-7192\" alt=\"Gelbes Icon mit Personen- oder Akten-Symbol \u2013 Symbol f\u00fcr Kundenkonten, Benutzerverwaltung oder Finanz\u00fcbersicht\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/accounts-icon-yellow.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/accounts-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e56569 elementor-widget elementor-widget-heading\" data-id=\"5e56569\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Total Cost of Financing<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73efca1 elementor-widget elementor-widget-text-editor\" data-id=\"73efca1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Interest rates account for a significant share of the total costs of a mortgage. Higher interest rates for a mortgage mean that the total costs of a loan over its entire term are higher, while lower interest rates reduce the total costs over the entire term of the loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b6b19a e-con-full e-flex e-con e-child\" data-id=\"2b6b19a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<a class=\"elementor-element elementor-element-1d1970a e-flex e-con-boxed e-con e-child\" data-id=\"1d1970a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cf466f elementor-widget elementor-widget-image\" data-id=\"2cf466f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/affordablility-icon-yellow.png\" class=\"attachment-large size-large wp-image-7168\" alt=\"Gelbes Icon mit Haus und Geldsymbol \u2013 Symbol f\u00fcr Immobilienbudget oder erschwinglichen Wohnraum\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/affordablility-icon-yellow.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/affordable-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bc948f elementor-widget elementor-widget-heading\" data-id=\"5bc948f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Maximum Loan Amount<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adea4a4 elementor-widget elementor-widget-text-editor\" data-id=\"adea4a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The current market environment and current price to borrow shown through current mortgage interest rate levels have a significant impact on the amount of financing a borrower can afford, how high the monthly mortgage payments will be, and, accordingly, how much your home can cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-709bfd4 e-flex e-con-boxed e-con e-child\" data-id=\"709bfd4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24c8585 elementor-widget elementor-widget-image\" data-id=\"24c8585\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/loan-icon-yellow.png\" class=\"attachment-large size-large wp-image-7193\" alt=\"Gelbes Icon mit Geld- oder Dokumentensymbol \u2013 Symbol f\u00fcr Kredit, Darlehen oder Finanzierung\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/loan-icon-yellow.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/loan-icon-yellow-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87eb9ee elementor-widget elementor-widget-heading\" data-id=\"87eb9ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Remaining Debt<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31cda97 elementor-widget elementor-widget-text-editor\" data-id=\"31cda97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>At the beginning, interest makes up a larger share of the mortgage payment. Since the mortgage payment is fixed but the loan is repaid monthly, the interest portion decreases in favor of the amortization, which, in addition to the term, also determines the remaining debt after the first fixed interest rate period.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e47c0ac e-flex e-con-boxed e-con e-parent\" data-id=\"e47c0ac\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44a8207 elementor-widget elementor-widget-heading\" data-id=\"44a8207\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financing Process<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8195920 elementor-widget elementor-widget-text-editor\" data-id=\"8195920\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Es gibt f\u00fcr den Finanzierungsprozess verschiedene Schritte, die Kreditnehmer beachten sollten. Bei finbird unterst\u00fctzen wir Kunden im Prozess, um die beste Finanzierungsstruktur und -l\u00f6sung f\u00fcr einen anstehenden Immobilienkauf zu finden. Wir erl\u00e4utern im Rahmen der <a href=\"\/en\/mortgages\/\">Beratung<\/a>, wie die Gesamtkosten einer Finanzierung berechnet werden, welche unterschiedlichen Kreditprodukte es gibt, was deren Vor- und Nachteile f\u00fcr Kreditnehmer sind und wie eine Finanzierungsanfrage am besten den Finanzierungsrichtlinien der Banken entspricht.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8164dac elementor-align-left elementor-widget elementor-widget-button\" data-id=\"8164dac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-en.finbird.digital\/?source=\/en\/mortgage-rates\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request Mortgage Rates<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a67523e e-con-full elementor-hidden-tablet e-flex e-con e-parent\" data-id=\"a67523e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-b78feee e-con-full e-flex e-con e-child\" data-id=\"b78feee\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-c767cfa e-flex e-con-boxed e-con e-child\" data-id=\"c767cfa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cfc46b elementor-widget elementor-widget-image\" data-id=\"2cfc46b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"180\" height=\"180\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no1-icon-yellow.png\" class=\"attachment-large size-large wp-image-7197\" alt=\"Gelbes Icon mit der Zahl 1 \u2013 Symbol f\u00fcr den ersten Schritt in einem Prozess\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no1-icon-yellow.png 180w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no1-icon-yellow-150x150.png 150w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no1-icon-yellow-12x12.png 12w\" sizes=\"(max-width: 180px) 100vw, 180px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e2e68d elementor-widget elementor-widget-heading\" data-id=\"9e2e68d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Interest Rate Markets<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7580553 elementor-widget elementor-widget-text-editor\" data-id=\"7580553\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The first step is to monitor the interest rate market and current interest rate developments in order to understand the impact on mortgage interest rates and mortgages. We are always close to the interest rate market and monitor developments in mortgage interest rates on a daily basis so that our customers receive up-to-date information when taking out their mortgages.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-599dca0 e-flex e-con-boxed e-con e-child\" data-id=\"599dca0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0e2a5f elementor-widget elementor-widget-image\" data-id=\"d0e2a5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"180\" height=\"180\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no2-icon-yellow.png\" class=\"attachment-large size-large wp-image-7198\" alt=\"Gelbes Icon mit der Zahl 2 \u2013 Symbol f\u00fcr zweiten Schritt in einem Ablauf\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no2-icon-yellow.png 180w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no2-icon-yellow-150x150.png 150w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no2-icon-yellow-12x12.png 12w\" sizes=\"(max-width: 180px) 100vw, 180px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6913f2e elementor-widget elementor-widget-heading\" data-id=\"6913f2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Lenders<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e039bad elementor-widget elementor-widget-text-editor\" data-id=\"e039bad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Banks are subject to many legal financing criteria. There are both national and EU-wide requirements in this area. We inform our customers about the relevant factors influencing financing, such as net income, other income, expenses, current loans and living costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-438392e e-flex e-con-boxed e-con e-child\" data-id=\"438392e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-518a71e elementor-widget elementor-widget-image\" data-id=\"518a71e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"180\" height=\"180\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no3-icon-yellow.png\" class=\"attachment-large size-large wp-image-7199\" alt=\"Gelbes Icon mit der Zahl 3 \u2013 Symbol f\u00fcr dritten Schritt in einem Ablauf\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no3-icon-yellow.png 180w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no3-icon-yellow-150x150.png 150w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no3-icon-yellow-12x12.png 12w\" sizes=\"(max-width: 180px) 100vw, 180px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe4e71a elementor-widget elementor-widget-heading\" data-id=\"fe4e71a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Creditworthiness<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f5ebd3 elementor-widget elementor-widget-text-editor\" data-id=\"8f5ebd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When calculating the interest rate for a mortgage, not only external factors are relevant, but also the profile of a borrower, including their borrowing capacity or financial situation and their previous credit history. A low-risk borrower profile usually means a lower interest rate, while a higher-risk profile can increase the interest rate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5754ed e-flex e-con-boxed e-con e-child\" data-id=\"b5754ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2164483 elementor-widget elementor-widget-image\" data-id=\"2164483\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"180\" height=\"180\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no4-icon-yellow.png\" class=\"attachment-large size-large wp-image-7200\" alt=\"Gelbes Icon mit der Zahl 4 \u2013 Symbol f\u00fcr vierten Schritt in einem Prozess\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no4-icon-yellow.png 180w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no4-icon-yellow-150x150.png 150w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/no4-icon-yellow-12x12.png 12w\" sizes=\"(max-width: 180px) 100vw, 180px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29fe8ae elementor-widget elementor-widget-heading\" data-id=\"29fe8ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Professional Financial Advice<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-927e760 elementor-widget elementor-widget-text-editor\" data-id=\"927e760\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your financing consultant is there to prepare you for your financing, inform you about all the challenges, find the right financing and bank for your request, and guide you through the entire loan application process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb6d105 e-flex e-con-boxed e-con e-parent\" data-id=\"cb6d105\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b589323 elementor-widget elementor-widget-heading\" data-id=\"b589323\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Working With an Independent Financing Advisor <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b22eb59 elementor-widget elementor-widget-text-editor\" data-id=\"b22eb59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There are many advantages to working with an independent mortgage consultant. Not only does the consultant have access to a range of banks, building societies and other financing partners, but they can also provide targeted support and suitable solutions for complex customer or real estate situations.<\/p><p>In addition, access to a long-standing network of trusted professionals who know the real estate and financing market well offers real added value on the road to successful property purchases. In particular, we work with qualified appraisers, experienced lawyers and tax advisors who provide our clients with comprehensive professional advice throughout the real estate process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0082d0 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"b0082d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-en.finbird.digital\/?source=\/en\/mortgage-rates\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request Mortgage Rates<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c4390a e-flex e-con-boxed e-con e-parent\" data-id=\"5c4390a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f11a982 elementor-widget elementor-widget-heading\" data-id=\"f11a982\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reference Cases<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-904e607 elementor-testimonial--align-left elementor-testimonial--skin-default elementor-testimonial--layout-image_inline elementor-arrows-yes elementor-pagination-type-bullets elementor-widget elementor-widget-testimonial-carousel\" data-id=\"904e607\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;autoplay_speed&quot;:12000,&quot;lazyload&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;show_arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"testimonial-carousel.default\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slider\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tA customer was planning to sell his property after the 10-year holding period. However, he wanted to carry out some modernization work that would have a positive effect on the sale price of the property. To do this, he initially took out a three-year loan to finance the work, thereby significantly increasing the value of his property. After the sale was completed, the short-term loan from the bank was then repaid from the sale proceeds.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__image\">\n\t\t\t\t\t\t<img class=\"swiper-lazy\" data-src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/cities\/dusseldorf-aerial-river-view-300x200.jpg\" alt=\"Aerial view of Dusseldorf cityscape with river, diverse architecture, and urban development.\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Modernization with a short-term loan<\/span><span class=\"elementor-testimonial__title\">D\u00fcsseldorf<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tAfter interest rates for construction financing rose sharply in the short term, an investor saw an attractive opportunity to purchase a home at a discount. However, the investor assumed that interest rates would fall again slightly in the future. The real estate loan was therefore only taken out for five years, and the investor was able to combine a favorable refinancing option with a further renovation loan to bring the property up to date.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__image\">\n\t\t\t\t\t\t<img class=\"swiper-lazy\" data-src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/cities\/berlin-tv-tower-sunset-300x194.jpg\" alt=\"Aerial Berlin skyline at sunset with TV tower and Spree river.\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Refinancing with a forward loan<\/span><span class=\"elementor-testimonial__title\">Berlin<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tA customer wanted long-term security for his financing and opted for a 20-year fixed interest rate. After 10 years, the customer checked the current interest rate environment and found that conditions had improved compared to his current contract, so he decided to restructure his debt, as this is legally possible after 10 years for a borrower without prepayment fees. By repaying a sum, the loan-to-value ratio improved and the customer was able to secure attractive credit conditions that reduced the total cost of the remaining financing.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__image\">\n\t\t\t\t\t\t<img class=\"swiper-lazy\" data-src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/cities\/hamburg-skyline-dusk-300x188.jpg\" alt=\"Hamburg skyline at dusk with Elbphilharmonie and Elbe River reflecting city lights.\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Long-term mortgages with the option of early repayment<\/span><span class=\"elementor-testimonial__title\">Hamburg<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous\" data-no-translation-aria-label=\"\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next\" data-no-translation-aria-label=\"\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e093fd elementor-align-left elementor-widget elementor-widget-button\" data-id=\"8e093fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-en.finbird.digital\/?source=\/en\/mortgage-rates\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request Mortgage Rates<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eca8feb e-flex e-con-boxed e-con e-parent\" data-id=\"eca8feb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5254b00 elementor-widget elementor-widget-heading\" data-id=\"5254b00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8d98e6 elementor-widget elementor-widget-n-accordion\" data-id=\"a8d98e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;default_state&quot;:&quot;expanded&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1770\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1770\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What affects mortgage interest rates? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1770\" class=\"elementor-element elementor-element-51e5263 e-con-full e-flex e-con e-child\" data-id=\"51e5263\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63d08bc elementor-widget elementor-widget-text-editor\" data-id=\"63d08bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mortgage interest rates can be influenced by the general economic environment, the profile of a borrower, including their borrowing capacity, income situation and available equity, as well as the type of loan chosen, e.g. short or longer-term fixed interest rates, a full repayment loan or a forward loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1771\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1771\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does the interest rate affect my monthly mortgage payments? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1771\" class=\"elementor-element elementor-element-ed7fd9e e-con-full e-flex e-con e-child\" data-id=\"ed7fd9e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d6aa26 elementor-widget elementor-widget-text-editor\" data-id=\"9d6aa26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A loan installment usually consists of two components: interest and amortization. When interest rates are high, the monthly payment can increase, which usually means that only smaller amounts can be financed. When interest rates are low, however, larger amounts can be financed due to lower monthly payments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1772\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1772\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What should you know about the fixed interest rate? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1772\" class=\"elementor-element elementor-element-7b274e0 e-con-full e-flex e-con e-child\" data-id=\"7b274e0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af428d4 elementor-widget elementor-widget-text-editor\" data-id=\"af428d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Lenders offer the option of fixing the interest rate for a fixed period when applying for credit. The most common fixed-interest period in Germany is 10 years, but 15, 20 years or more are also possible. Fixed interest rates protect against interest rate increases, but you do not benefit from interest rate cuts. The decision as to how long construction interest rates should be fixed depends on the borrower's need for security.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1773\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1773\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How do mortgage interest rates affect the total cost of a loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1773\" class=\"elementor-element elementor-element-3640e6c e-con-full e-flex e-con e-child\" data-id=\"3640e6c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c88157 elementor-widget elementor-widget-text-editor\" data-id=\"6c88157\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The amount of the interest rate determines the total cost of a loan. A higher interest rate means that borrowers have to expect higher total costs and that borrowing is more expensive. A lower interest rate means that the total financing costs decrease and that borrowing is more favorable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1774\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1774\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How do I manage interest rate risk? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1774\" class=\"elementor-element elementor-element-9a864a4 e-con-full e-flex e-con e-child\" data-id=\"9a864a4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a97ea7 elementor-widget elementor-widget-text-editor\" data-id=\"6a97ea7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Managing interest rate risk depends on a borrower's expectations regarding interest rate movements. If borrowers expect that interest rates will rise, they can opt for a loan with a long-term fixed interest rate that protects them from interest rate increases over a long period. If they expect interest rates to fall, they could choose a loan with a shorter term.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1775\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1775\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What affects the term of my financing? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1775\" class=\"elementor-element elementor-element-f540d3a e-con-full e-flex e-con e-child\" data-id=\"f540d3a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56f1f8a elementor-widget elementor-widget-text-editor\" data-id=\"56f1f8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The term of a loan is determined by the amount of amortization. If the loan is repaid with a high amortization rate, the debt will be paid off more quickly and the term will be shortened. If the amortization rate is low, the loan will be repaid more slowly and a higher debt will remain. It is also not always possible to choose the repayment option freely, as some banks have minimum repayments or requirements for repaying loans before retirement age.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1776\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1776\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does my financial situation affect the interest rate of a mortgage? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1776\" class=\"elementor-element elementor-element-36a6ea1 e-con-full e-flex e-con e-child\" data-id=\"36a6ea1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7560474 elementor-widget elementor-widget-text-editor\" data-id=\"7560474\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There are various situations that can affect a borrower's financial situation and thus the conditions or even the feasibility of a mortgage. These can be specific, situational circumstances that can also make it more difficult to obtain a mortgage. Examples include self-employed individuals, people residing outside of Germany, variable income components or special features of the property to be purchased.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1777\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1777\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is refinancing an option to lower the interest rate on a property loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1777\" class=\"elementor-element elementor-element-0f15446 e-con-full e-flex e-con e-child\" data-id=\"0f15446\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bbcbb92 elementor-widget elementor-widget-text-editor\" data-id=\"bbcbb92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Refinancing or debt consolidation are ways to take advantage of improved borrowing rates for your financing. If current interest rates are more attractive than the interest rates you have set out in your current loan agreement and your fixed-interest period is about to expire, you can secure more attractive interest rates by refinancing your loan or taking out a forward loan. This will also enable you to reduce your monthly installments or shorten the term of your loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e936f7 e-flex e-con-boxed e-con e-parent\" data-id=\"0e936f7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78037d9 elementor-widget elementor-widget-heading\" data-id=\"78037d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financing Process<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ec6a89 elementor-widget elementor-widget-text-editor\" data-id=\"3ec6a89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>At finbird, we offer comprehensive financial advice tailored to the diverse needs of our customers. We not only explain the relevant factors of the mortgage interest rates that are relevant to your mortgage, but also help our customers determine their personal real estate budget, suitable financing concept and various down payment scenarios. We support our customers not only in preparing, but also in applying for and obtaining a mortgage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52ad002 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"52ad002\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-en.finbird.digital\/?source=\/en\/mortgage-rates\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request Mortgage Rates<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66d0243 e-con-full e-flex e-con e-parent\" data-id=\"66d0243\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-045963a elementor-widget elementor-widget-template\" data-id=\"045963a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"33320\" class=\"elementor elementor-33320\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68aad82e e-con-full e-flex e-con e-parent\" data-id=\"68aad82e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2f142251 e-flex e-con-boxed e-con e-child\" data-id=\"2f142251\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84e5c73 elementor-widget elementor-widget-heading\" data-id=\"84e5c73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Expertise for a Wide Range of Needs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a195076 elementor-widget elementor-widget-text-editor\" data-id=\"1a195076\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>At finbird, we offer a comprehensive portfolio of financial services tailored to a wide range of customer needs - from private mortgages solutions for international professionals to international financing and capital solutions for companies. Benefit from our many years of expertise, well thought-out strategies and reliable financing solutions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5fc83a84 e-grid e-con-boxed e-con e-child\" data-id=\"5fc83a84\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<a class=\"elementor-element elementor-element-3f73a436 e-con-full e-flex e-con e-child\" data-id=\"3f73a436\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/en\/baufinanzierung\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59d22cd3 elementor-widget elementor-widget-image\" data-id=\"59d22cd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/home-care-icon-yellow.png\" class=\"attachment-large size-large wp-image-33336\" alt=\"Gelbes Icon mit Haus und Herzsymbol \u2013 Symbol f\u00fcr Wohnen, F\u00fcrsorge oder pers\u00f6nliche Immobilienberatung\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/home-care-icon-yellow.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/home-care-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5740b7f2 elementor-widget elementor-widget-heading\" data-id=\"5740b7f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Mortgages<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-59a01d2c e-con-full e-flex e-con e-child\" data-id=\"59a01d2c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/en\/internationale-fachkraefte\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-172c108d elementor-widget elementor-widget-image\" data-id=\"172c108d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/international-collaboration-icon-yellow.png\" class=\"attachment-large size-large wp-image-33357\" alt=\"Gelbes Icon mit stilisierten Personen und Weltkugel \u2013 Symbol f\u00fcr internationale Zusammenarbeit\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/international-collaboration-icon-yellow.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/international-collaboration-icon-yellow-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-301aa965 elementor-widget elementor-widget-heading\" data-id=\"301aa965\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">International Professionals<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-4b91ee71 e-con-full e-flex e-con e-child\" data-id=\"4b91ee71\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/en\/internationale-finanzierungen\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-244e1bfb elementor-widget elementor-widget-image\" data-id=\"244e1bfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/globe-airplane-icon-yellow.png\" class=\"attachment-large size-large wp-image-33362\" alt=\"Gelbes Icon mit Weltkugel und Flugzeugsymbol \u2013 Symbol f\u00fcr internationale Verbindungen und Mobilit\u00e4t\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/globe-airplane-icon-yellow.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/globe-airplane-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bbc6737 elementor-widget elementor-widget-heading\" data-id=\"2bbc6737\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">International Mortgages<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-149653f6 e-con-full e-flex e-con e-child\" data-id=\"149653f6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/en\/unternehmenskunden\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43ad9631 elementor-widget elementor-widget-image\" data-id=\"43ad9631\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/corporate-wealth-icon-yellow.png\" class=\"attachment-large size-large wp-image-33383\" alt=\"Gelbes Icon mit Geb\u00e4uden, Diagramm oder Geldsymbol \u2013 Symbol f\u00fcr Corporate Wealth Management\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/corporate-wealth-icon-yellow.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/corporate-wealth-icon-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-425bf3fd elementor-widget elementor-widget-heading\" data-id=\"425bf3fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Corporate Clients<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Mortgage rates, repayment options, creditworthiness - finbird advises you on all facets of your mortgage. Receive transparent recommendations and strong conditions.<\/p>","protected":false},"author":6,"featured_media":34797,"parent":0,"menu_order":6,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-910","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/pages\/910","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/comments?post=910"}],"version-history":[{"count":0,"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/pages\/910\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/media\/34797"}],"wp:attachment":[{"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/media?parent=910"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}