Construction financing - Influence of private retirement provision on interest rate

As a maximum loan installment, we have set ourselves 1,600€.

This will be tight. I would only offer you the financing with 3% repayment, since full financing. Then you would already be at 2,100€ per month. Land. but okay with two salaries. Marriage to change the tax classes would be advisable from a financial point of view.

This is tight. I would only offer you financing with 3% repayment, since it is full financing. Then you are already at €2,100 per month.
Land. but with two salaries it's okay. Marriage to change the tax classes would be advisable from a financial perspective.

How do you get to €2,100? That is far above what financing calculators show and what acquaintances with similar conditions pay. Marriage is sensible, yes.

How do you come to €2,100?

1.5% interest and 3% repayment on €550,000

What actually makes your financial advisor independent? Independent from an insurance company? If I were you, and I were serious about it, I would look for a certified fee-based advisor. These people work only for you, because you pay them the fee. In particular, the topic of commission often leads many advisors to provide advice that depends more on the product.

What actually makes your financial advisor independent? Independent from an insurance company? If I were you, and I was serious, I would look for a certified fee-based advisor. These people work only for you because you pay them the fee. Especially the topic of commission causes many advisors to advise in a product-dependent manner.

Independent in the sense that he does not belong to any insurance company or bank. He naturally acts only in the best interest of the client. And yes, he lives on commissions.

This will be tight. I would only offer you financing with 3% repayment, as it is full financing. Then you would already be at €2,100 per month.
Land. But with two salaries it is okay. Marriage for changing tax classes would be advisable from a financial perspective.

Getting married is generally sensible yes, but getting married to change the tax class and be financially "better" off is not something that can be considered sensible.
What you pay less in income tax over the course of the year is missing later in the annual tax adjustment for the refund. Overall, changing the tax class in marriage is simply a shift of payments, nothing more and nothing less.

Regards