Confusions of construction financing

Do you know about the risks with Riester home savings? You really shouldn't count on an inheritance. After all, there's a chance that the person will live much longer (My grandfather was declared dead 32 years ago. I bet he will live to 100 like his father :)) Also, very expensive care measures can occur and "eat up" the inheritance, and a funeral can also be costly. If you are talking about a small inheritance, I would completely exclude it from your planning. You can always get out of contracts, the question is what it costs.

Provider A: interest rate 3.5
Provider B: interest rate 2.6
everything the same, so really identical contracts with different data.
fixed interest period 10 years.

So with the TA loan with building savings contract you also only have a fixed interest period of 10 years??
What if after 10 years you still do not get the building savings contract allocated?
Then after 10 years you still have 100% remaining debt and full interest rate risk?!?!
This model is madness!
My bank fixed the interest rate for the TA loan until the building savings contract is allocated. I would not have signed anything else!

Regards
Micha :cool: