Assessment of financing offer terraced house Hesse

Welcome to the forum. Are the incidental construction costs already included in your calculation? What comes to mind spontaneously: Is that still achievable? How was it again.. for a new build, the building permit must still be valid this year, or is the purchase contract with the general contractor sufficient? I'm not sure right now. But if it has to be the building permit, it strongly depends on whether it goes through quickly with you or not. Depending on the city, that can take a few months.

Will you really save anything during the construction phase? Otherwise, still high residual debts ... where is the plot of land? overall it's all quite tight

The remaining amount after 10 years is relatively high, that's true. Our idea here would be to initially refinance for 5 years and then consolidate all three loans. Here we are taking a bit of a risk.

So the KfW is out after 10 years, and then you both want to refinance the KfW loans with new construction financing in second lien, for 5 years?
That will surely be more expensive, even if the interest rate level remains as it is, than if you start the KfW directly with a 20-year term and then, depending on the interest rate level, see whether it makes sense to continue the loans with the KfW from year 11.

Has the KfW grant changed again? Previously, it was only possible to conclude over 10 years at 0.95%.