Building savings contracts - What to consider? Invest equity sensibly

Hello,

my husband and I would very much like to build a house in about 4-5 years. Now it is about how we can sensibly invest or build up our existing equity and the equity that will be generated in the next 4-5 years.

How does it look with [Bausparverträgen]?
We want to have about €100,000 equity, we have about half of that. How much should be tied up in [Bausparverträgen] at all?
Neither of us is entitled to [Arbeitnehmersparzulage] and [Wohungsbauprämie].
What should be considered with [Bausparverträgen].
Tomorrow a consultant from a [Bausparkasse] is coming, they tell you a lot, especially if they benefit well from it.

I am not a fan of building savings contracts, but you can find plenty of discussions about the pros and cons online. Be glad that you have already saved up substantial equity and still have 5 years left. I would invest the money as cost-effectively (contra building savings) and securely as possible! A stock fund can be in the red exactly in 5 years, so it makes more sense to run it longer. If you still want to build then, you have to accept the loss. A safe investment at 3% + monthly 200€, which you add, will get you to 70,000 EUR equity. (However, I do not know which interest rate is currently realistic)