Building savings contract or annuity loan - final decision!

It depends on the conditions whether you have agreed in the contract
- a standard interest rate fixation until allocation or
- a fixed standard interest rate fixation until 01.01.2027 (example).

So far, I only knew the fixed standard interest rate fixation.

So I have a standard interest rate in the accumulation phase (1.5%) 2016-2026 and one in the repayment phase (1.95%) 2026-2036.
So in my opinion, I have a fixed standard interest rate fixation, right?
If all installments are paid as agreed, then I have no problems with any valuation figures, correct???

Why don't you ask your bank exactly that?

So I have a nominal interest rate in the accumulation phase (1.5%) 2016-2026 and one in the repayment phase (1.95%) 2026-2036. So in my opinion, I have a fixed nominal interest rate period, right? If all installments are paid as agreed, then I have no problems with any valuation figures, correct???

That is now coffee grounds reading. Look in your contract documents. It is clearly stated there. Otherwise, your bank will provide you with information.

Why don’t you ask your bank exactly that?

Because you can see here why:



(Thread Fehler in der Finanzierung, page 28)
clearly pointed out the danger of a gap here, which is why my concerns are correspondingly high...

I only have the offer so far, no contract data.

I also asked the banker if there could be a delayed allocation - The answer: No!

Just believe and accept that when experienced construction financiers in this forum are warned about such risks???

It's about how long this fixed interest rate period lasts. And there is the option:

a) Fixed interest rate in phase applies until "fixed date"
b), as the payer described in :


In case a), the interest rate must be renegotiated if, for any reason, the building savings contract cannot be paid out at that time.

In case b), this does not have to happen because the fixed interest rate applies until the allocation of the building savings contract.