Building savings amount, special repayments - What to do?

After the completion of our house construction (except for the driveway and carport), I still have, in my opinion, a useless mini home savings contract that I don’t really know what to do with. The total home savings contract amount is €10,000 and about €3.8k has been saved. The only good thing about it is that it offers an interest rate of 2% p.a.

The fact is that the €10k home savings sum is not needed for the completion of the carport and driveway, and if I have to access the home savings contract due to something unforeseen (final road development of the new residential area in 3-4 years), the repayment in addition to the already existing ongoing burdens for the house does not appeal to me.

So the question arises whether it would not be more sensible to use the capital saved in the home savings contract, for example as a special repayment in one of the components of the house financing, and to also apply the additionally freed monthly home savings contract installment (which is rather low, however) to the repayment.

If the final road development in 3-4 years does hit hard after all, it probably makes more sense to sit down with the bank advisor and renegotiate, whereby the special repayments (from the terminated home savings contract) will certainly have a positive effect.

Set the building savings contract to non-contributory and take the interest with you.

If the street final development hits that hard in 3-4 years, it probably makes more sense to sit down with the bank advisor and renegotiate, although the special repayments (from the sold building savings contract) will probably have a positive effect as well.

No, unless you end up somewhere at 50-60% expiration. Otherwise, it will be really expensive to get a subordinated financing.

With 2%, that is a comparatively good and secure investment option. I would just let it continue running! In case of emergency, you can quickly access the deposited money within 1-2 weeks.