Annuity loan or Riester home savings contract?

Hello,

we need to finance 380,000 euros for our house construction (the rest is covered by our equity) and would therefore be at our house bank. Since we have already financed two apartments with a building savings plan and both would have been better off in hindsight with an annuity loan, I already indicated before the appointment that we would prefer an annuity loan, but of course are open to other suggestions. At the appointment, we were advised the following option:

100,000 Wohnriester in my wife's name, fixed at 378 euros monthly for 25 years, then paid off. 100,000 Wohnriester in my name, fixed at 378 euros monthly for 25 years, then paid off. 180,000 as an annuity loan (bank's proposal: 0.81%, 10 years fixed interest period)

The alternative would be a completely normal annuity loan: Fixed interest period 10 years: 0.81% Fixed interest period 15 years: 1.14% Fixed interest period 20 years: 1.26% Fixed interest period 25 years: 1.69%

Regarding the Riester option, it would probably be important that we have two children.

Is the Riester building savings option really the more sensible one?

Hello, you have to fill in Excel and calculate everything. The disadvantages of Riester are known?

the deferred taxation? Or are there any others?

What repayment rate would you choose for the Riester option for the annuity loan?

In this variant, a 15-year fixed interest period with 3.8% repayment was planned. This would make the installment very manageable, and if you apply [3000 Euro Sondertilgung] per year (which is also easily feasible), the loan would be practically paid off in 15 years.

In this variant, the interest rate is fixed for 15 years

You had stated 0.81 and 10 years in combination with the Riester contracts above. I mean the installment ... asked the other way around, how high should the total monthly burden be?