110% financing in one or two loans?

Exactly. One would pay the 2.1% on the €219,000 and the - let's say - 5% on the €26,000 (however, as I said, the comparison calculators online only give me 1.99%, can that be right?)

In the other option, you pay the x% (with the bank that would also finance the incidental purchase costs for us, this was 2.8%) on the entire €245,000 - and that over the entire long term. You have to see what is cheaper: 2.8% on €245,000 over about 30 years or the sum of 2.1% on €219,000 (term 30 years) + 2-5% on €26,000 (10 years) That will be interesting. Or am I making a mistake here?

I consider 1.99% unlikely, but I am not familiar with online conditions of consumer loans.

Roughly speaking, that's correct. The terms are just hard to compare.

In the second example, you have a higher rate for the first 10 years than in the first example. To compare it exactly, you would have to apply the difference in the first example as an extra repayment, for example. Then it becomes more comparable.

Exactly. You would pay the 2.1% on the €219,000 and the - let's say - 5% on the €26,000 (however, as I said, the comparison calculators online only give me 1.99%, can that be right?)

In the other option, you pay the x% (at the bank that would also finance our incidental purchase costs, it was 2.8%) on the entire €245,000 - and over the entire long term. You have to see what is cheaper: 2.8% on €245,000 and over about 30 years or the sum of 2.1% on €219,000 (term 30 years) + 2-5% on €26,000 (10 years) That will be interesting. Or am I making a mistake here?

Uh no – you end up somewhere around 4% or more with your consumer loan. How do you come up with the idea that you get 1.99% for an unsecured consumer loan? You also noticed that you don’t get the conditions from the online mortgage calculators!

How do you come up with the idea that you get 1.99% for an unsecured consumer loan?

Advertising. The portals are already tempting with under 1% ... but who actually gets that.

Possibly run the kitchen through a 0% financing at the furniture store. For something like that, it’s not entirely wrong.

Advertising. The portals are already enticing with under 1% ... but who actually gets that.

Possibly run the kitchen through a 0% financing at the furniture store. For something like that, it's not entirely wrong.

I had said that ... although the 0 is included somewhere in the price.

I had said that ... although the 0 is included somewhere in the price

I am not a fan of 110% financing. You carry the interest burden with you for the next 10 years just because you are not willing to use your own capital. I mean, you can also do things in the house gradually after moving in. The current owner also lives there without any loss of living quality. Have you calculated how high the interest is over 10 years at 4-5%?