Can we use our economics sensibly?

Running the VWL into the home financing is possible, but as mentioned: according to my experience, it's difficult to implement because it's rather uncommon.

I don't want funds or similar. The VWL does not increase in a building savings contract, but nothing is lost either. (at most the closing fee, account maintenance, but I didn't pay a closing fee)
after a few years, you are happy about a nice little sum that accumulates without you noticing, and you treat yourself to something with it

I don't want funds or anything like that.

...but that's not what this thread is about... ;)

If you do set up a fund savings plan, how quickly can you access the money freely? A quick internet search once showed 2 years and once 6 years.

If you set up a fund savings plan, how quickly can you access the money freely? A quick internet search showed once 2 years and once 6 years.

In principle, at any time (excluding the processing time of the company, which can take a few days). The lock-up periods are due to the subsidies. If you withdraw before the lock-up period, it affects the subsidies negatively. Usually, you do not receive the subsidies because you earn too much. Therefore, if you withdraw prematurely, you would additionally confirm that you are aware that a dissolution before the end of the lock-up period is subsidy-damaging, but that the dissolution should still take place immediately.

Cancel FondsVWL savings plan: online about 5 days, then the money is in the checking account. Place sell order, set limit if necessary, the money is actually there a few days later. I only did this now in March. K.

...but that's not what this thread is about... ;)

I only wrote that because someone said my solution (small home savings contract just to accommodate the employer's savings benefits) was the "least favorable solution"