Construction financing + home savings - annuity loan / home savings contract?

Good evening

I have two financing proposals, a standard annuity loan with 1.5% repayment, as well as financing without repayment with a building savings contract, also about 1.5% repayment.

My question now is, what are the advantages and disadvantages of the two? Is it true that the interest rate risk of the building savings financing is lower?

Thank you very much for your assessment

Hello

We already had a very similar question (and an answer) today under the following link in this forum:



With the Bauspar loan, the interest rate risk is somewhat lower in the financing option based on the Bauspar contract than with an annuity loan.

Best regards

M. Thiemann