Alternative financing for home purchase

What blended interest rate does the initial Evolith give?

We contributed 80k equity and financed 400k. Term 10 years at 1.30% interest. The outstanding balance then amounts to 250k, which lets me sleep well. After moving in, we made a special repayment because the house was cheaper. 26 years is now the calculated total term instead of 27.

What mixed interest rate does the initial Evolith give?

Phew, I think we ended up somewhere around 1.9 for the first 10 years and the building savings contract would end up at 2.62%. However, it remains open to us to simply withdraw the money and then take a completely classic loan if the interest rates remain that low until then. We had brought in 50k equity.

Phew, I believe we ended up somewhere around 1.9 for the first 10 years and the building savings contract would end up at 2.62%. However, it is still open to us to simply take the money out and then take a completely classic loan if the interest rates remain this low until then. We had brought in 50k equity.

However, the interest rate is not comparable to an amortizing loan, since it is not being repaid.

So I received the following offer from an insurer.

2% interest
with 25 years fixed interest rate
2% repayment
Term 33 years
The good interest rate (25 years fixed interest rate) is due to the high equity of 190,000 Euro

In total, I need 500,000 Euro

So I get 310,000 Euro at 2% and 25 years fixed interest rate.

Could this be optimized or is this already great?
(no, we do not want to increase the repayment)

I think 2.0% is pretty good for a 25-year term. If you only take a 10-year term, you might get 1.0%, and thus your repayment rate is significantly higher at the beginning. A matter of risk appetite.

Great offer, go for it.
Which insurance is that?