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EnglischBGB 492a. 1 If a fixed interest rate is agreed in the loan contract , and if the fixing of interest ends prior to the time determined for repayment , the lender shall inform the borrower at the latest three months prior to the end of the fixing of interest whether he is willing to reach a new agreement as regards interest . If the lender declares his willingness thereto , notification must contain the interest rate offered by the lender at the time of notification .