Short answer
The Bundesbank reported tightening across all three credit categories in Q2 2026; the net share for housing loans was +7%. This describes bank responses, not your rate or approval.
Important variables
- Effective rate and fees
- Same comparison horizon
- Tax, cost and risk
- Remaining debt or ending wealth
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Worked example
+7% net must not be calculated as a seven-point rate premium or 7% rejection rate.
Break-even: What changes the result?
Test the main driver as a cautious, central and optimistic range. Also check whether the ranking reverses at a crossover or remains robust across the range.
Common mistakes
- Equating low payment with low cost
- Equating certain interest saving with uncertain return
- Mixing nominal and real values
Terms in this guide
Sources & assumptions
- European Central Bank — Monetary policy decisions, 23 July 2026 (2026-08-17)
- RATIOXA — Methodology and formulas (2026-08-17)
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