Construction financing with a low fixed rate

I would also choose the 15 years. The differences in the outstanding balance are too small for the 20 years to be worthwhile. You might want to see if you can increase the annuity at Sparda a bit more. At PSD, 20€ more is already planned.

You can see that this works best with the Sparda offer. After just 15 years, the remaining debt is practically paid off, which otherwise would only be reached in 20 years. And special repayments are possible. The rest depends on income and discipline.

I would choose the 20 years. The interest rate security you buy suits family planning.

You are a strange banker who constantly contradicts himself on such topics

You are a strange banker who constantly contradicts himself on such topics

why? it depends on the constellation. I have always been an advocate of long interest rate security and high repayment.

What use is it for young people to take out a short mortgage with low repayment?

These are the cases that will be considered non-performing in 10-15 years

has always been an advocate of a long fixed interest period and high repayment

That is a conflict of objectives.

Your information and the offers from Interhyp just don’t add up at all.
You have a total volume of €425,000.
You want to borrow €310,000.
That results in a loan-to-value ratio of a good 73%, which will get you an interest rate of about 1.45% effective over 15 years if everything else is correct.
The interest rates from Sparda are 10-year terms, I’m quite sure about that.
Furthermore, you currently have a total net income of €1900, am I seeing that correctly?
The bank is not planning with your future part-time income.
That completely ruins the household budget calculation.
Depending on which bank you go to, the margin ranges from a few hundred euros to nothing per month.
Either your information is incorrect/incomplete/misunderstood by me, or the Interhyp guy really gave you very bad advice.