Building savings contract and Wohnriester - Where is the catch here?

Most of this unfortunately misses the point, because this is about Wohnriester. Things like upfront fees, guaranteed interest rates, chances/risks of the product, death before reaching retirement, etc. are simply not relevant here. The commission is included in the closing fee.
The only thing that also applies here is the point about the minimum deposit, which for full funding amounts to 4% (including funding). The 60€ is merely the base amount to receive anything at all; if there is a significant income, the funding flowing to it is practically non-existent.
And the topic of the housing promotion account: the funded money is accumulated in a virtual account and credited with 2% interest until retirement. You have to pay taxes on the amount then standing there at retirement age.
The advisor seems untrustworthy to me (if you listened carefully ), so it’s best not to conclude anything with them. Regardless, both Riester contracts can be interesting (prerequisite, to put it simply: reasonable income and/or several children) as well as regular building savings contracts (you want homeownership in the medium-term future). The Riester building savings contract sits at the intersection of these prerequisites.

what is supposed to come out of 60 € wohnriester ?

the OP still answered what he earns etc

Because my income does not play a role here at all.

Right now, my only concern is to find out whether the broker is reputable or not.

And please, just forget about the [Riester contract] for a moment, that’s not the primary issue here either.

The main question is the following:

Is there a structure at Wüstenrot where, by concluding a completely normal [Bausparvertrag], I get a loan with fixed interest rates of 1.25% over 30 years, and if I don’t conclude the [Bausparvertrag], I do get the loan but not at this interest level.

Basically, I just want to find out whether the broker has told me nonsense or not.

What is the name of the model? Why does your salary not matter? Up to what amount does the model go?

When Riester is involved, your salary plays a role. The Riester contract should not be seen separately from the building savings contract because it is most likely a Riester building savings contract; there is no separation here. Tendentially, Riester building savings contracts have somewhat worse conditions than standard building savings contracts (because the administrative effort for the building societies is not insignificant). Regarding the question of whether such a specific product exists at Wüstenrot: to my knowledge, there is no one who constantly knows all the conditions of all banks, etc. Why don’t you do yourself what everyone else here would have to do and simply check on the Wüstenrot website? Or have this advisor give you a concrete offer with contract terms; that definitely exists, you just need to check whether it matches what the advisor promised.

On the Wüstenrot page I did not find anything like that but that does not have to mean that it is not hidden somewhere there. The best thing will probably be that I really have a concrete offer made for me. And maybe I will also go to a second Wüstenrot broker. Thank you for your answers [emoji1303]