Summary: Commerzbank raises mortgage rates and extends ETF offer

Why It Matters: The bank has increased the cost of borrowing for home buyers while extending the deadline for their investment promotion. This suggests a shift in their pricing strategy for loans and a continued push to acquire long-term savers.

What Changed:

• The effective interest rate for construction financing (Baufinanzierung) increased from 3.76% to 3.81%.
• The deadline for the ETF and fund savings plan offer was extended from February 10, 2026, to March 3, 2026.
• The validity period for the representative mortgage example was updated to February 14 through February 20, 2026.
• The monthly rate in the mortgage example increased from 998.03€ to 1,000.39€.