Consorsbank & Sparkasse Building Rates: Latest Updates

Anyone planning building financing should not only keep an eye on the current building interest rates, but also carefully compare the conditions of different providers. Even small differences in interest rates can have a significant impact on the monthly rate. In our overview you will find the currently available offers on the market.

In addition to the Sparkasse subsidiary 1822direkt and Comdirect, Consorsbank has now also increased the conditions for building financing. We show what a real estate loan now costs. Our Loan interest overview informs you daily about the conditions for real estate financing. In addition to the current building interest rates from various providers, you will find tips for preparing and applying for your real estate loan.

November 19: Consorsbank has Bauzinsen an

After 1822direkt* and Comdirect, Consorsbank has now also increased its building interest rates. This is visible in the current 2/3 interest rate: While the effective annual interest rate was 3.32 percent per year (pa) at the beginning of November, after the most recent adjustment it is 3.40 percent pa

To explain: The 2/3 interest rate indicates the maximum cost of a loan for 2/3 of the borrowers. A credit institution must offer financing at this or a lower interest rate to 2/3 of all customers – and also clearly state the interest rate. Because the 2/3 interest rate is prescribed by law.

Consorsbank’s 2/3 interest rate is based on the following key data: a net loan amount of 200,000 euros, a fixed interest rate of ten years and an initial repayment of 2.00 percent. With a property value of 335,000 euros, the monthly rate is 892 euros. The bank specifies a total term of 29 years and five months for this example.

How do these conditions compare to the information provided by the credit brokers? Dr. Klein* currently states an interest range of 3.27 to 4.06 percent as the top interest rate. The Consorsbank conditions for a 200,000 euro loan are in the range of these top interest rates. Interhyp* currently puts the best building interest rates for ten-year loans at around 3.6 percent – in comparison, the Consorsbank offer would be slightly cheaper. Baufi24* shows top interest rates of around 3.40 percent for real estate financing, which puts Consorsbank at a comparable level.

Important to note: The actual conditions of construction financing are largely determined by the creditworthiness of the borrower and the value of the property. A meaningful comparison must therefore always be tailored to the individual situation. Our calculator can support you:

November 18th: Comdirect increases building interest rates

After 1822direkt*, Comdirect has now also increased building interest rates. A comparison of the current 2/3 interest rate shows the adjustment clearly: at the beginning of November the effective annual interest rate was 4.06 percent, according to the new calculation it is 4.18 percent pa

Comdirect states its 2/3 interest rate assuming that 140,000 euros are financed with a 15-year fixed interest rate and an initial repayment of 2.00 percent. In this calculation, the loan to value of the property is 80 percent and the monthly rate is stated as 618.33 euros within the fixed interest rate. This results in total costs of 54,250.06 euros over the 15 years.

The bank also states other conditions, calculated with a lower loan-to-value ratio of just 60 percent and a higher loan amount:

But how do Comdirect’s conditions compare to the top interest rates offered by intermediaries? Dr. Klein* currently has an interest rate range between 3.27 and 4.06 percent as the top interest rate. This means that Comdirect’s conditions for a net loan amount of 200,000 euros would be within the range of top interest rates. However, the 2/3 interest rate shown is higher. According to Interhyp*, the top building interest rates are currently around 3.6 percent for ten-year loans – based on these conditions, Comdirect’s offer would be slightly lower.

Borrowers should, however, note: The actual conditions of building financing depend largely on the creditworthiness and the property value, so a realistic comparison must always be carried out individually.

November 17th: New building interest rates at 1822direkt

The savings bank subsidiary 1822direkt* has increased its conditions for building financing. A comparison of the current effective top interest rate shows the adjustment clearly: at the beginning of November the rate was 3.02 percent, now it is 3.20 percent. The basis for this calculation is a loan of 300,000 euros with a fixed interest rate of five years and an initial repayment rate of 2 percent.

To make the conditions clearer, the bank gives another example with a longer fixed interest rate. Here the effective annual interest rate is 3.48 percent, the initial fixed interest rate is 3.40 percent. The fixed interest rate extends over 10 years, with a net loan amount of 300,000 euros and an initial repayment of 2 percent. There are a total of 356 monthly installments of 1,350 euros each. The expected contract term is 29 years and 8 months, the total amount to be paid during the term is 414,515.04 euros.

However, please note: For properties that do not meet energy standards A or A+, the bank charges a surcharge of 0.10 percent on top of the interest rates mentioned. In addition, the contract term can be shortened or extended depending on interest rate developments. The actual conditions of construction financing also depend on the individual financial situation of the borrower – in particular on the creditworthiness and the equity share.

It can definitely make sense for borrowers to carefully compare several providers. Our comparison calculator can also be helpful:

November 13th: Will building interest rates remain stable in 2026? Professionals disagree

Interest rates for real estate financing remained at a stable level in October, according to the current interest rate commentary from the credit broker Interhyp. No significant change in interest rates is expected in the short term.

“Inflation is close to the target value, which is why the European Central Bank left the deposit rate unchanged at 2.0 percent at its last meeting,” explains Interhyp sales director Mirjam Mohr. “The building interest rates are likely to remain stable until the end of the year. They are based on the yields on long-term federal bonds, which have fluctuated between 2.4 and 2.7 percent for months. Anyone who is currently thinking about buying a property can still expect interest rates of around 3.6 percent for ten-year loans – and therefore at a moderate level.”

How things will continue in 2026, however, remains open. According to the Interhyp bank panel, 60 percent of the experts surveyed expect building interest rates to rise towards four percent. 20 percent expect the level to remain the same, and the same number expect interest rates to fall.

The panel assesses the situation overall cautiously: “The ECB has reached the end of the interest rate cuts. The yields on federal bonds and thus the mortgage lending rates are likely to move largely sideways in the coming months. In the longer term, however, higher national debt and a persistent risk of inflation could lead to rising yields and interest rates.”

November 12th: Interest rate offer from ING – environmental projects benefit

The search for real estate financing not only costs time and nerves, but also money. Small ones are therefore all the more important Differences in interest rates and grants or discounts. ING, for example, has adjusted its interest discount for new customers and follow-up financing: the bank now grants loans of 350,000 euros or more 0.10 percent interest discount.

This offer can be combined with Baufi-Energy or Baufinancing Green. Baufi-Energy applies to purchases or debt restructuring with modernization or for pure modernization. Green building financing promotes the purchase, modernization or refinancing of particularly energy-efficient properties (energy efficiency class A+ or A).

ING is also increasing the Baufi energy interest discount from 0.10 percent for a short time 0.15 percentif the property improves at least one energy efficiency class through modernization (at least class F). There is also a discount of 0.10 percent for until November 26, 2025 Extension of existing ING loans by ten years. This excludes new and follow-up financing.

November 11th: KfW adjusts building interest rates again

At the Kreditanstalt für Wiederaufbau (KfW), the interest rates for some promotional loans have changed again – but this time upwards. Several programs are affected, including Program 261, also known as “BEG Wohnbuilding,” and Program 124, also known as “Home Ownership Program.”

Program 261 is aimed particularly at buyers of real estate and owners who are planning energy-saving renovations – for example by purchasing a modernized efficiency house or renovating an existing residential building.

The 124 program, on the other hand, supports private individuals in buying or building a home with low-interest loans of up to 100,000 euros per project.

The following conditions now apply to program 261:

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An example: For a loan of 120,000 euros for the renovation of an Efficient House 55, KfW shows a nominal interest rate of 2.80 percent pa and an effective annual interest rate of 2.84 percent with a term of 20 years, 3 repayment-free start-up years and 10 years of fixed interest rates.

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With Program 124, borrowers can expect the following interest rates:

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An example: For a loan over 100,000 euros, the nominal interest rate is 3.46 percent pa, the effective interest rate is 3.52 percent pa. The term is 25 years with three repayment-free start-up years and five years of fixed interest rates.

Anyone looking for real estate financing should compare different conditions. Borrowers should always consider funding options. The KfW offers other programs such as “Home Ownership for Families” or “Age-Appropriate Remodeling”.

November 10th: Building interest rates remain stable – but there was still movement here

Building interest rates also remained largely stable in October. The current interest rate barometer from the real estate portal Immoscout24 shows: The conditions for real estate loans are stagnating or only declining slightly.

For loans with a five-year fixed interest rate, the rate drops from 3.67 to 3.59 percent – ​​a decrease of 0.08 percentage points. Loans with a ten-year term become slightly cheaper and slip from 3.68 to 3.66 percent (minus 0.02 points).

The 15-year financing doesn’t move at all and remains at 3.89 percent. The 20-year fixed interest rate also only goes down marginally: 4.06 instead of 4.08 percent (minus 0.02 points).

Also the credit broker Dr. Klein* confirms the sideways movement: The top interest rates for real estate financing are currently between 3.27 and 4.06 percent. Anyone looking for a real estate loan should therefore compare carefully.

November 6th: DKB attracts customers with interest rate promotions on building financing

Anyone who currently wants to finance a property can, according to the credit broker Dr. Small* can expect top interest rates of 3.40 percent. But there are ways to get even cheaper: In addition to government subsidies at federal and state level, it is also worth taking a look at special offers from banks.

The DKB is currently providing a concrete example: The bank is offering an interest discount of 0.15 percentage points on the individually calculated interest rate until the end of 2025 – but only under certain conditions. The discount only applies to the purchase of existing properties if the financing volume is at least 300,000 euros.

Important: A maximum of 90 percent of the purchase price may be financed; the remaining 10 percent must be contributed as equity. In addition, according to the energy certificate, the property must have an energy efficiency class between B and F. Other banks also offer interest discounts, for example for energy-efficient properties.

A tip: Don’t just compare the interest rates offered by different banks, but also check which support programs and discount campaigns you can combine with each other. Our calculator can also help you find suitable providers:

FAQ on construction, car and installment loans

What is a construction loan?

A construction loan is a loan that is specifically intended for financing construction projects or the purchase of real estate. The interest rates are often fixed over a longer period of time to ensure planning security.

How do car and installment loans differ?

Car loans are specifically designed to finance vehicles. They often offer cheaper interest rates and specific conditions. Installment loans, on the other hand, are more versatile and can be used for various consumption purposes.

What factors influence interest rates on loans?

Loan interest rates are influenced by various factors. These include the ECB’s key interest rates, the borrower’s creditworthiness and the bank’s specific conditions.

Can I have multiple loans at the same time?

Yes, it is possible to have multiple loans at the same time. However, consumers should carefully check their financial resilience and compare offers in order to get the best conditions.

How secure are the loans from different banks?

In Germany, all bank deposits up to 100,000 euros per customer and bank are protected by deposit insurance. However, this does not apply to loans: the borrower’s creditworthiness is crucial here.

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