shouldn't the total costs of the financing still be taken into account?
It could be that an annuity loan is 20 euros more expensive per month for 225 installments, but the total costs are still several thousand euros cheaper because of the subsequent taxation.
By the way, we also finance through [Wohnriester] ;)
I am of course aware of the deferred taxation, but since it is still 30 years away, I am currently prioritizing the now and the next 20 years. The problem is more likely the calculation of the tax benefits over the next 20 years.
The calculation of the tax benefits for the next 20 years is probably the more problematic part
There are calculators on the internet for that. You just enter the current income, salary increases are not taken into account. Or rather, in our case there was a list of the tax benefits included in the building society's offer, I think.