Construction financing with a low fixed rate

The interest rates of Sparda are 10-year conditions, I am pretty sure about that. .

I would also assume that! If that is the case, with your income I would choose the 20 years. But if they are actually 15-year conditions... get it confirmed in writing immediately and commit

Worlds collide again when it comes to opinions. I would also choose the shorter term. No idea what you currently get for a 5 or 10 year fixed interest period.

We closed in May, brought in a higher equity ratio, and pay a higher interest rate for 10 years fixed than you were offered over 15 years.

We are approaching repayment at 3.6% - I couldn’t push harder with the lady, I actually wanted a rate corresponding to 4.3%. We also want to work a lot with special repayments – which we have already practically applied with the apartment and the land, so we really do it.

For this reason, our focus is less on the amount of the remaining debt, we prefer to follow the motto "repay as much as possible". If inflation eats up salary (or rather purchasing power), then it also eats up debt. I also assume that in 10 or 15 years people will rather wonder that the rate is lower because of this and the remaining debt no longer has the value one would attribute to it today.

I am honestly also surprised about the good conditions and that the banks are even cooperating. Netto is listed as €1900 today, everything else is speculation.

Then the good mortgage broker told you something about hot ice lollies. With €1900 net, no bank in the world will give you €310,000, I am very sure of that. I would advise you to switch the advisor quickly.

What people think they know.., because

Currently, it is 2x 1,900 euros net (he+she), soon it will be 1,900 euros net he + 1,200 parental allowance she (+ child benefit)... so we are currently talking about 3,100 euros in the first year, after that about 3,300 euros net. I am not a fan of selective reading.

The AXA offer may be the most flexible offer at the most expensive conditions. But I consider it (except in a few exceptions) the wrong one.

So now to A1 and A2: From the perspective of the ZiÄR, whether 197,000 euros are open in 15 years or 173,000 euros in 20 years is absolutely irrelevant. According to the motto... paying off faster is best, I would take A1 for 15 years with the rate from A2.

The offer of the two-time repayment rate change should be completely sufficient, because as long as you cannot suddenly repay more than one installment of over 2,200 euros monthly (installment + 1/12 of the special repayment option), you do not need the (also dearly bought) option of repayment rate change at all. Simply put the extra money aside monthly and repay once (or whatever the contract offers in terms of special repayment fractions) additionally.

The option of repayment rate change should only be used in two cases at all:
1. Unforeseeable events like unemployment, triplets or God knows what
2. Excess money in the form of an extreme amount (see next point)

By the way, that is the only reason why I would want to take offer 3. The prospect of regularly using the special repayment in full already in the coming first years in combination with the possibility of wanting to repay significantly more monthly. But there is no indication of this from the available information.

Currently it is 2x 1,900 euros net (he+she), soon it will be 1,900 euros net he + 1,200 parental allowance she (+child benefit)... so we are currently talking about 3,100 euros in the first year,

About our situation:
My husband (31) currently earns about 1,900 net without bonuses, I (24) am currently on maternity leave and will earn about 1,400 net in 2018 after one year of parental leave working 30 hours/week.

I am not a fan of selective reading.

I agree with you on the rest in terms of content.