Well, I know it from the Sparkassen, that they basically see it as a special repayment, therefore they have no problems with 40€ additionally being transferred monthly on top of the rate.
Has the DSL Bank also accepted this with normal annuity loans? With the Kombis Bank/BHW they like to do it, because the advance payment is directly transferred to the building savings contract, later also into the building savings loan (since there are no limited special repayments here, you can pay in "more" as much as you want)
With Allianz, a monthly special repayment of 40€ would probably be too low, or the minimum amount for special repayment might be undershot.
BUT what speaks against investing this advance better? It would be important that the "costs" are low, then an annual interest rate of 2.5% should probably make more than the interest you pay?
Otherwise, as Philipp already wrote:
vermögenswirksame leistungen für baukredit googeln
You should also find this there:
[*]With the payment of the advance savings contributions, a building loan can be paid off faster. Due to the low interest rates on normal savings balances, repayment is worthwhile in many cases
[*]With building savings loans, an advance special repayment is usually possible without problems, with normal bank construction financing it depends on the contract.
and
[*]The employer transfers the advance payment to your loan account. For this, you simply provide the bank details of your loan account when applying for the advance.
[*]You have your capital-forming benefits transferred to your salary account and transfer the money yourself to your loan account. In this case, you must get a confirmation from your bank that you exclusively use the received advance amounts for loan repayment.