Building savings loan - Good alternative or pointless?

You give a guarantee without knowing the facts? Ridiculous! Sorry, I will not respond further to such an unqualified statement.

Oh dear, don't judge the qualification if you don't know it. And I know what I'm talking about.

Put the facts on the table and I will tear them apart.

But your statement is unqualified. I guarantee you that I know more about the subject than you!

With us, the financial advisor and I also came to several thousand (I mean a good 17) with the building savings combo. Despite the fees. Reason: The low interest rates for the 10-year annuity loan during the saving phase. The relatively low interest rate during the loan phase. However, the switch and a possible [NICHT-Zuteilung] also worry me... If we don’t get an allocation, we may have to look for a possibly expensive new financing. A full repayment loan is of course much safer and above all much easier to understand.

Of course, at the FBI you naturally deal with mortgage financing on a daily basis.

Ok, if you assume a truthful professional statement on my part, you have actually uncovered a contradiction to my professional qualification.

Back to the subject:
The fixed loan is in my case almost 10,000 euros cheaper than the best offer I have for a classic annuity loan.
And yes, all costs etc. are already included.

Your blanket, all-knowing statement without knowledge of the numbers and facts does not exactly encourage me to back up my statement by painstakingly compiling all the figures. Besides, that is not necessary at all!