Combination Loan BSS vs. Annuity Loan

Regarding the question about retirement - that is still a while away, we are currently 29 and 32 years old

Are children still planned? Or are they already "factored in" to your repayment performance?

Definitely arrange the possibility to change the repayment rate

By the time of retirement, the house should already be financed, I think.

Should work out

Thanks also for your pessimistic calculation, even that doesn't sound "too bad" - I will look at it more closely again.

Definitely recalculate again My paper is patient

I would also fix the KFW at 20 years and make the annuity loan special repayments. After about 10 and after 15 years, you have the option to renegotiate the entire package if it makes sense.

More about this building savings contract problem is the high repayment/interest rate (7 per mille) during the building savings contract loan.

I see it similarly. The interest rate is of course great, but in the end you have to repay the entire amount in 17 years. A 15-year loan is almost comparable in that regard.

I would also fix the KfW for 20 years and make the annuity loan special repayments.

still has to be careful about the planned repayment rate for the KfW component. As far as I know, there is a kind of target rate because the KfW requires a monthly repayment.

At 1.30% (i.e., fixed for 20 years, and 20 years repayment) the initial repayment rate is 4.96%

In other words: That means repayment 392.31 interest 102.92 total 495.23 per month
(I am assuming KfW55 and the 5000 repayment grant)

That did not appear in your first post at all.

Yes, children are included in the calculation. The desired rate is therefore also set so that we can initially manage this well even with the loss of one income. The special repayment may then possibly be slightly lower.

still needs to pay attention to the planned repayment rate with the KfW component. As far as I know, there is some kind of target rate because KfW requires a monthly repayment.

At 1.30% (fixed for 20 years, and 20 years repayment), the initial repayment rate is 4.96%

In other words: Repayment 392.31 Interest 102.92 Total 495.23 per month
(I am assuming KfW55 and the 5000 repayment bonus)

That didn’t come up at all in your first post.

Yes, you are right. We have to/will keep that in mind in the overall consideration – at the beginning, one could possibly first make use of the repayment-free years that KfW offers and during this period minimize the amount mainly through special repayments (hopefully massively) until the regular repayment begins.