Construction financing with a low fixed rate

I agree with you content-wise on the rest.

I read between the lines. The situation description leads exactly to what I wrote above.

I don't see it that way. On the one hand, there is no information about whether the specified job with 30 hours and €1200 is with the current employer or not. Nor is there any information about whether she worked 40 hours or maybe only 37.5 hours a week. And she is already currently on maternity leave and not just soon.

Everything else makes no sense, because otherwise I wouldn't know what my salary will look like after parental leave. More salary certainly won’t come from that. But I’m not arguing about whether 35, 37.5 or 40 is correct. Those are nuances.

The fact is, the TE do not go home with "only" 1,900 net per month. Not even today.

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

May I just ask something? Are you referring to the Axa in this specific case with this statement, or would you also generally see it that one should not finance with Axa? That is not quite clear to me. We also have an offer from Axa, which according to Interhyp was simultaneously the one with the lowest interest rate for us. We wouldn’t necessarily want to "buy" this flexibility at an extra "expensive" price either, but if it is the cheapest offer anyway, we would like to take it. We are actually currently about to make a decision, so your statement somewhat confuses me. Sorry for the OT ops:.

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

You are absolutely right about ZiÄR and residual debt, it just doesn't help because the interest rates of A1 are certainly not correct and therefore the residual debts will look a bit different, and ZiÄR will increase significantly... As long as that is not clarified, it is completely pointless to think about it further.

I stick to it, I like AXA in this constellation. Solely because of the uncertain salary of the two