Beginnings of a possible property | Questions about the building savings contract

Of course, the contract fee has already been paid; you have had the building savings contract for a long time. But if you terminate it and later ever think about wanting to have one again, you will have to pay the contract fee again. Therefore: if you want the money, do not fully terminate it, but have the building savings contract split into two contracts in order to carry over part of the contract fee into the new contract.
Why shouldn’t it be suitable as a financing component? After all, for married couples in 2021, there is up to 140 euros in government subsidies per year with a maximum taxable income of 70,000 euros.

On the other hand, if you keep looking for another 5 years, the money paid out won't help much either... You really have to know whether the desire for property is even feasible.

The building savings contract was indeed intended for a "possible" follow-up financing. I also think that we should continue to contribute to it. Is it possible after the savings phase to have the paid-in money (including interest) paid out free of charge? Because the loan interest rate is not attractive by today's standards?

Yes, that option exists. You have a three-month notice period. If you want to access the credit balance faster, an early termination fee applies.

However, you can also switch to another tariff with better conditions free of charge.

Yes, that option exists. You have a three-month notice period. If you want to access the credit balance faster, an early termination fee applies.

However, you can also switch to another tariff with better conditions free of charge.

Better tariff in terms of better credit interest and no account management fee?