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Master your follow-up financing: A guide for property owners
Strategies and tips to secure the best financing solution for your home
Early planning
Start planning your follow-up financing early, ideally two to three years before the expiration of the fixed interest period of your current loan. This way, you can take advantage of the best conditions.
Comparison of options
Take your time to compare different financing options. For example, consider a extension with your current lender or check a debt restructuring to a new provider.
Observe interest rate developments
Keep an eye on the current interest rate developments and market forecasts to identify the best timing for your follow-up financing.
Optimize creditworthiness
Improve your creditworthiness by reducing existing debts. This allows you to secure better interest rates for your follow-up financing.
Use of financing tools
Use online calculators and comparison tools to simulate different follow-up financing scenarios and better understand the financial effects.
take advice
Consider consulting a financial expert to ensure that your follow-up financing is tailored to your individual needs.
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The follow-up financing is an important step for property owners whose existing mortgage loan is expiring. It allows you to arrange new financing after the interest rate of your initial loan expires. But how do you design this process quickly and easily?
follow-up financing
In the following sections, you will learn which steps you should take to obtain the best conditions for your follow-up financing. From early planning to monitoring interest rate developments to optimizing your creditworthiness - we provide you with valuable tips and information so that you can make the right decisions.
Whether you are considering an extension with your current lender or contemplating refinancing with a new provider, our guide will lead you step by step through the process. Learn how to compare different financing options, monitor current interest rate trends, and optimize your creditworthiness.
My experience with Vier Wänden was outstanding - thanks to their competent advice and excellent support, I found a follow-up financing that perfectly suits my needs.
Sophie N.
Start planning your follow-up financing today and make sure that this important step is taken quickly and easily. Keep reading to receive valuable tips and information to help you secure the best terms for your follow-up financing.
What is follow-up financing?
The follow-up financing allows you to arrange new financing after the expiration of the fixed interest period of your initial loan. You have two options: a prolongation with the current lender or a refinancing with a new loan provider. Well-considered follow-up financing can help you benefit from lower interest rates and reduce your financial burden.
At Vier Wände, we offer both options and support you in finding the most suitable option for you. We compare and evaluate both prolongation and follow-up financing possibilities individually to determine the best solution for your situation.
Planning and preparation
The planning of your follow-up financing should ideally begin two to three years before the expiration of your current fixed interest period. Review your financial situation, including your creditworthiness and the remaining loan amount. Keep an eye on current market interest rates and analyze forecasts for the coming years. Prepare all necessary documents, such as proof of income and the current loan agreement. Early preparation gives you the flexibility to choose the best market conditions.
Interest rate development and market observation
The interest rate development significantly influences your follow-up financing. Monitor changes in the economic environment and observe the decisions of central banks. With this knowledge, you can identify favorable times for follow-up financing. Use our website to receive current analyses and forecasts on interest rate developments. With the available tools, you can track interest rates and evaluate your financing options. Making an informed decision based on current information can potentially enable you to achieve significant savings.
Summary
At Vier Wände, we know how complex and important refinancing is for property owners. We are here to provide you with comprehensive support and advice so that you can find the best financing solution. This can be done either through a prolongation – extending your existing loan agreement – or through refinancing with a new lender.
Our approach takes into account your individual needs as well as the current market conditions to secure optimal terms for you. We support you in early planning, compare the different financing options, keep an eye on interest rate developments, and help you optimize your creditworthiness. Our online tools and personal advisory services are designed to ensure a smooth transition to your next financing phase. With Vier Wände, you can be sure to receive a well-founded refinancing tailored to your situation.