Our mortgage was fixed for 2 years. Unfortunately, the agreement expires at the end of November this year. In the midst of the strongest inflation in decades. Therefore, we have negotiated with the bank where the mortgage is today. With this bank, we have a shareholding with the same value as the mortgage.
The negotiations literally start with the bank clerk asking us what we think it's worth and what we think about the future. The whole procedure felt frivolous and dishonorable. Kind of like walking into a store and asking the price of a shirt and getting the answer: "What do you think it's worth?
My irritation caused me to fill in a notification of interest with a competing bank. We received an offer that is 3 points lower than the current bank's offer, without us having any savings or investments at all there. Felt like a non-issue to switch banks...
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