Construction financing - follow-up financing experiences?

Building savings contracts are no longer attractive in my experience today.

If you compare that with a loan where you repay from the start

The OP does not want/will not have a classic TA/building savings contract structure. The actual loans are also repaid with 2%.

I still see the building savings contract as a classic hedge. Especially because the loans via the L-Bank are so cheap.

In the OP's case, most of the money is either for 1% or 0.5% interest for 10 or 15 years.
The problem with the OP is that the outstanding debt from the 10-year or 15-year term will hardly be reduced with the planned special repayments.

There are also clear differences in building savings contracts on the market. Some even have 1% credit interest. There the money is really better placed than in the L-Bank loan.

But better to mix in a building savings contract than to have a larger six-figure sum open, about which one does not know how interest rates will be in 15 years.

The different constellations and the costs over the term can be calculated.

I would consult a broker and obtain counteroffers. 3-4 components with different terms are too many. Better to have a loan + kfw and/or L-Bank.

That's it

Otherwise, you will be stuck with Volksbank forever. At the latest when refinancing, you will have problems because of the land charge and subordination.