: They were unfortunately not mentioned by the first advisor. However, I also forgot to ask directly there, since we wanted to visit several advisors and get an overview.
Could you perhaps find that out for us? We are in a very similar situation and are currently only being offered 2.48 percent.
By the way, I also think that the KfW loan does not make sense for you.
By the way, I also think that the KfW loan does not make sense for you.
It was similar for us. However, last year with the KfW124 Home Ownership Program. If we had taken these 50,000€ not as a KfW loan but through a bank loan, the conditions of the bank loan would have worsened. Unfortunately, I no longer remember to what extent. Also, this does not necessarily have to be the case here.
We wanted to end up with a rate of about €1000 due to family planning, which already doesn't work with the data mentioned. When the children are out of the worst phase, the repayment would be adjusted accordingly.
When are children out of the "worst phase"? I don't think you should calculate like that. Maybe at some point both parents will work again. But if they study sociology until age 35, the house will be paid off long before the children are no longer dependent. (With sociology maybe even longer)
Commerzbank seems to be very aggressive at the moment. What are your plans with child(ren)? Does your wife work 50%? What comes as an expense, how much does she earn and you?
4,400 doesn't sound bad, the question is what kind of net income there is with children...