Overview

• Ten‑year home‑loan offers now cluster around an effective 3.22%–4.01%, with most providers nudging prices up in September.
• Recent moves include BBBank lifting its 10‑year rate to 3.41% from 3.39% as PSD Bank Nürnberg trimmed its 10‑year quote to 3.50%.
• KfW increased rates for its BEG Wohngebäude (Programm 261), raising the cost of subsidized energy‑renovation loans.
• On deposits, headline deals top out at FNZ Bank’s 3.25% for one month for new customers and Norisbank’s 3.11% until year‑end with a required Girokonto, while Ferratum pays 2.8% for all customers.
• Two‑year term deposits peak around 2.75%–2.85% across Europe and up to 2.5% at German institutions, with Verivox flagging tightened views on foreign deposit protection following France’s downgrade.