Living in Germany and considering taking a forward loan, I wonder which financial instrument(s) could I put in my chart window to see the rate dynamics "with retail bank's eyes". Sure, there are ready charts in newspapers etc., with loan rates for end customers, quite on teletubbies niveau (interhyp.de/zins-charts/). What I am looking for is the rate my bank pays for money which they loan to me.
My purpose is to check what I see there and to decide if I'm going to beleive sales guys telling that the rate is again slowly increasing.
And yes, ECB base rate is currently zero, but this is not where my bank will get money for my loan...
Sorry guys if my question makes you cringe at wording and/or the topic ; ) I'd also rather post in German forum, but there's no offtopic section there
here's what I was looking for: bondboard.de/55-MidSwaps-
This shows the "bulk" rate for a bank, they add their, say, 0.6% and loan it to you. They also buffer a little bit and not change their "retail" rate every time, so these MidSwaps could be a kind of leading indicator for those looking for a forward loan like me