[{"data":1,"prerenderedAt":214},["ShallowReactive",2],{"blog-article-dont-fall-for-low-mortgage-rate-advertising-en":3},{"article":4,"recommendedArticles":187},{"slug":5,"title":6,"listPicture":7,"listPictureMobile":8,"listPictureWebp":9,"listPictureMobileWebp":10,"preview":11,"category":12,"author":13,"authorImage":14,"authorImageWebp":15,"authorDescription":16,"authorSlug":17,"content":18,"contentRaw":19,"order":169,"publishedAt":170,"createdAt":170,"updatedAt":171,"seoTitle":172,"seoDescription":173,"seoKeywords":174,"seoImage":175,"mainPicture":176,"mainPictureMobile":177,"mainPictureWebp":178,"mainPictureMobileWebp":179,"language":180,"subTitle":174,"actionLabel":174,"actionType":174,"actionText":174,"id":174,"introduction":181,"tableOfContentArray":182},"dont-fall-for-low-mortgage-rate-advertising","Don't fall for low mortgage rate advertising","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FNZk3WTpKGdMpybWdZ3TCX\u002Fac66f46814750c44213c92cbf8b96fe9\u002Fthe-lowest-mortgage-rates-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4uXY2CpmZLZCrnIdsGgD42\u002F499cd33696b1b2a05271efb815add794\u002Fthe-lowest-mortgage-rates-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FWWYoRRCXI7FvxDf26Qret\u002F8e955b47bbc29315e88ddac32a34e0ba\u002Fthe-lowest-mortgage-rates-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002Fs2O1V6OeWCJPeyXe90pgc\u002Ff7129dc39545b1955a0119937e8c5e2c\u002Fthe-lowest-mortgage-rates-380x243.webp","Interest rates for you mortgage that are too good to be true? There's a hook and we tell you why. \n","mortgage-fundamentals","Dr. Chris Mulder","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fdr.-christian-mulder.png","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fdr.-christian-mulder.webp","Dr. Chris is a former Senior Economist and Manager at the IMF and The World Bank. He is a Hypofriend Co-founder.","chris","  \u003Cdiv id=\"table-of-contents\">\n    \u003Cdiv class=\"headline\">\n      Table Of Contents\n    \u003C\u002Fdiv>\n    \u003Cul>\n      \u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-think-twice-about-how-much-of-your-savings-you-want-to-invest\">\n    Think twice about how much of your savings you want to invest\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-hypofriend-offers-you-financial-advice\">\n    Hypofriend offers you financial advice\n  \u003C\u002Fa>\n\u003C\u002Fli>\n    \u003C\u002Ful>\n  \u003C\u002Fdiv>\n\u003Cp>First, when it's too good to be true, it indeed is not true. The best rates are only if you are buying a highly energy-efficient house, and the implicit government subsidies reduce the rates. \u003C\u002Fp>\n\u003Cp>Second, and even worse, they apply only if you bring a ton of your money. Sometimes 60 to 70 % of the purchase price.\u003C\u002Fp>\n\u003Ch2 id=\"h-think-twice-about-how-much-of-your-savings-you-want-to-invest\">Think twice about how much of your savings you want to invest\u003C\u002Fh2>\n\u003Cp>Why is that bad, you may ask? It is bad for two reasons: \u003C\u002Fp>\n\u003Cp>First, you would be very unwise to bring so much of your money. Any proper investment advisor can tell you that there are better yields to get for your money. \u003C\u002Fp>\n\u003Cp>Secondly, it is a sign that you are dealing with a \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fmortgage-broker-consultation.afb\">\u003Cu>mortgage advisor\u003C\u002Fu>\u003C\u002Fa> who does not shy away from giving you poor advice just to lure you in.\u003C\u002Fp>\n\u003Cp>So don't fall for those low \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fmortgage-rates-germany\">\u003Cu>mortgage rate\u003C\u002Fu>\u003C\u002Fa> advertisements. Check what advice you are getting. This is the most important. Almost all advisors have access to these teaser interest rates if you actually qualify or if it makes sense. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fgerman-mortgage-calculator\">Discover your mortgage options with our German mortgage calculator.\u003C\u002Fa>\u003C\u002Fp>\n\u003Ch2 id=\"h-hypofriend-offers-you-financial-advice\">Hypofriend offers you financial advice\u003C\u002Fh2>\n\u003Cp>At Hypofriend, we show you how much money it makes sense to put in your house. I.e., what is the return on the extra down payment, and how does it compare to investment alternatives, like buying an investment home or stocks?\u003C\u002Fp>\n\u003Cp>Our motto is that good financial advice provides you with safety and freedom. Safety for a financially secure old age and unexpected mishaps in life. Freedom to change your life in due course and not be tied to a career or a job just for the money.\u003C\u002Fp>\n\u003Cp>Your house can be the cornerstone of your financial future. Make sure it is a sound cornerstone. \u003C\u002Fp>\n\u003Cp>Are you looking for the optimal mortgage? \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fappointment\">\u003Cu>Talk to our experts\u003C\u002Fu>\u003C\u002Fa>! \u003C\u002Fp>",{"data":20,"content":21,"nodeType":168},{},[22,31,38,46,53,60,82,102,120,127,134,141,148],{"data":23,"content":24,"nodeType":30},{},[25],{"data":26,"marks":27,"value":28,"nodeType":29},{},[],"First, when it's too good to be true, it indeed is not true. The best rates are only if you are buying a highly energy-efficient house, and the implicit government subsidies reduce the rates. ","text","paragraph",{"data":32,"content":33,"nodeType":30},{},[34],{"data":35,"marks":36,"value":37,"nodeType":29},{},[],"Second, and even worse, they apply only if you bring a ton of your money. Sometimes 60 to 70 % of the purchase price.",{"data":39,"content":40,"nodeType":45},{},[41],{"data":42,"marks":43,"value":44,"nodeType":29},{},[],"Think twice about how much of your savings you want to invest","heading-2",{"data":47,"content":48,"nodeType":30},{},[49],{"data":50,"marks":51,"value":52,"nodeType":29},{},[],"Why is that bad, you may ask? It is bad for two reasons: ",{"data":54,"content":55,"nodeType":30},{},[56],{"data":57,"marks":58,"value":59,"nodeType":29},{},[],"First, you would be very unwise to bring so much of your money. Any proper investment advisor can tell you that there are better yields to get for your money. ",{"data":61,"content":62,"nodeType":30},{},[63,67,78],{"data":64,"marks":65,"value":66,"nodeType":29},{},[],"Secondly, it is a sign that you are dealing with a ",{"data":68,"content":70,"nodeType":77},{"uri":69},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fmortgage-broker-consultation.afb",[71],{"data":72,"marks":73,"value":76,"nodeType":29},{},[74],{"type":75},"underline","mortgage advisor","hyperlink",{"data":79,"marks":80,"value":81,"nodeType":29},{},[]," who does not shy away from giving you poor advice just to lure you in.",{"data":83,"content":84,"nodeType":30},{},[85,89,98],{"data":86,"marks":87,"value":88,"nodeType":29},{},[],"So don't fall for those low ",{"data":90,"content":92,"nodeType":77},{"uri":91},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fmortgage-rates-germany",[93],{"data":94,"marks":95,"value":97,"nodeType":29},{},[96],{"type":75},"mortgage rate",{"data":99,"marks":100,"value":101,"nodeType":29},{},[]," advertisements. Check what advice you are getting. This is the most important. Almost all advisors have access to these teaser interest rates if you actually qualify or if it makes sense. ",{"data":103,"content":104,"nodeType":30},{},[105,109,117],{"data":106,"marks":107,"value":108,"nodeType":29},{},[],"",{"data":110,"content":112,"nodeType":77},{"uri":111},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fgerman-mortgage-calculator",[113],{"data":114,"marks":115,"value":116,"nodeType":29},{},[],"Discover your mortgage options with our German mortgage calculator.",{"data":118,"marks":119,"value":108,"nodeType":29},{},[],{"data":121,"content":122,"nodeType":45},{},[123],{"data":124,"marks":125,"value":126,"nodeType":29},{},[],"Hypofriend offers you financial advice",{"data":128,"content":129,"nodeType":30},{},[130],{"data":131,"marks":132,"value":133,"nodeType":29},{},[],"At Hypofriend, we show you how much money it makes sense to put in your house. I.e., what is the return on the extra down payment, and how does it compare to investment alternatives, like buying an investment home or stocks?",{"data":135,"content":136,"nodeType":30},{},[137],{"data":138,"marks":139,"value":140,"nodeType":29},{},[],"Our motto is that good financial advice provides you with safety and freedom. Safety for a financially secure old age and unexpected mishaps in life. Freedom to change your life in due course and not be tied to a career or a job just for the money.",{"data":142,"content":143,"nodeType":30},{},[144],{"data":145,"marks":146,"value":147,"nodeType":29},{},[],"Your house can be the cornerstone of your financial future. Make sure it is a sound cornerstone. ",{"data":149,"content":150,"nodeType":30},{},[151,155,164],{"data":152,"marks":153,"value":154,"nodeType":29},{},[],"Are you looking for the optimal mortgage? ",{"data":156,"content":158,"nodeType":77},{"uri":157},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fappointment",[159],{"data":160,"marks":161,"value":163,"nodeType":29},{},[162],{"type":75},"Talk to our experts",{"data":165,"marks":166,"value":167,"nodeType":29},{},[],"! ","document",1,"Thu, 8 Oct 2020 09:34:36 +0000","Mon, 19 May 2025 13:56:38 +0000","Don’t Fall for ‘Too-Good’ German Mortgage Rate Offers","Don’t be fooled by low-rate mortgage ads. Discover why some deals aren’t worth it, how to protect your savings, and where to get true financial advice.",null,"https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4atsdVD40AZfqmL5iZJEvT\u002F2b01705180da7ea5967aced083cec08b\u002Fthe-lowest-mortgage-rates-800x534.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1okvlQ58n1NIizOi8js1uA\u002Ff8ab3e376738f8eb1aba560681f82fc5\u002Fthe-lowest-mortgage-rates-1692x918.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5fTXuZWl2fJZXgxmUS1qI4\u002Fbd90404a761e6b3c02111d0a171bda47\u002Fthe-lowest-mortgage-rates-523x366.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3M0BxRkBTFcAHtjULvzBkn\u002F76e3a6cfe95b3f6057f29d50410836cd\u002Fthe-lowest-mortgage-rates-1692x918.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F718lhJCOzrVQRJ3l6kLN4g\u002Fd47dc7dd50036950f86ae9bdbed58ccf\u002Fthe-lowest-mortgage-rates-523x366.webp","en","What is wrong with these incredibly low mortgages rates that are advertised?\n",[183,185],{"key":184,"value":44},"#h-think-twice-about-how-much-of-your-savings-you-want-to-invest",{"key":186,"value":126},"#h-hypofriend-offers-you-financial-advice",[188,198,206],{"slug":189,"title":190,"listPicture":191,"listPictureMobile":192,"listPictureWebp":193,"listPictureMobileWebp":194,"preview":195,"category":12,"categoryTitle":196,"categoryCode":197},"current-interest-rates-germany-2026","What Are the Current Mortgage Interest Rates in Germany and How Do They Evolve? ","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3e8IaEw23YZk7idFRXhun9\u002Fcd0500f42f6c93c574782835d8149a58\u002Flist_image_blog___800_x_511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3Q0MFmLnVKgaGVS57d9qW5\u002F0622aa644497735c07f4a715220013e5\u002Fmobile_list_image_blog___380_x_243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1iTKKUZXycg5MCfXdX8By0\u002Fe2f01a1212a42829b251db3e8024cafb\u002Flist-image-blog-_-800-x-511__1_.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F2ONJpyTNlNqYkPSQ7VvnIO\u002Fc94eab2aa29c38a41027290e53359ffe\u002Fmobile-list-image-blog-_-380-x-243__1_.webp","What are mortgage rates in Germany right now? See our real-time chart, compare 5 to 20-year fixed rates and get a free personalised recommendation in minutes.","Mortgage Fundamentals","fb",{"slug":199,"title":200,"listPicture":201,"listPictureMobile":202,"listPictureWebp":203,"listPictureMobileWebp":204,"preview":205,"category":12,"categoryTitle":196,"categoryCode":197},"financing-certificate-one-step-ahead-buying-property","Financing Certificate: Always one step ahead","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4ctwKxlymmUNRiOKAgFzAf\u002F61c1407e17cc12def8bdd38874c558a8\u002Ffinancing-certificate-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6dQViXzjm6wBNgWh1FuOCv\u002Ff160960e6a1947e55c1d88904c34172e\u002Ffinancing-certificate-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F7rAIx65nr3eACXTXOnUzRr\u002F6dfd4a8a10d3c688cba95769c66b5b1b\u002Ffinancing-certificate-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5NoDrgyhvrata2KBMOHJse\u002F07d8f520a281e417e04c5c05ab028918\u002Ffinancing-certificate-380x243.webp","With a financing certificate, you stand out from other prospective buyers. It serves as a confirmation of your financing potential to brokers.",{"slug":207,"title":208,"listPicture":209,"listPictureMobile":210,"listPictureWebp":211,"listPictureMobileWebp":212,"preview":213,"category":12,"categoryTitle":196,"categoryCode":197},"sondertilgung-a-popular-but-overrated-option-for-your-german-mortgage","Sondertilgung: A popular but overrated option","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5xnqPkerGmZzqAelJp4Lyp\u002F953f32263af6dfcb044ea362464e2e6d\u002Fsondertillgung-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6raj6xn34Bw10qb1L3VRsb\u002F4b3fbc844a985d76c6c1d1e94bfd283c\u002Fsondertillgung-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5vd1ArTe5ICGM4ngPHDK4V\u002Fa5cb6e007c5fbd51d62fb407c266f625\u002Fsondertillgung-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F64bwYQzJUFIuvDqyx0VK5W\u002F4a0e1f087765df142571b7cbd6dd07ad\u002Fsondertillgung-380x243.webp","Who doesn't like the idea of being able to repay extra on their mortgage? That is what “Sondertilgung” is. But is it a good idea?",1790426895055]