Construction financing with KFW300 and Z15

KFW 300 over 10 years is not worth it due to the additional costs for the KFW40 standard. At 0.6% the situation looks completely different. Just from this, the interest savings are already nearly €35,000 in 10 years.

Honestly, I don't understand why this is completely unattractive. It is simply interest rate security. If an AD runs alongside (just an assumption), the interest rate terms practically end at the same time and you can refinance the remaining amount in total. Or is this assumption rather nonsense?

35T€ are the total interest payments with a 20-year fixed interest period after 10 years. The ones with the 10-year fixed interest period must still be deducted here. So, in direct comparison, it is about 24T€.

35T€ are the total interest payments with a 20-year fixed interest rate after 10 years. The interest payments of the 10-year fixed rate still have to be deducted here. So, in direct comparison, it is about 24T€.

yes, right, I forgot. Then there is also the saving on the bank loan with a regular interest rate for the remaining financing sum of 3,xx on top. We closed a mixed interest rate of 2% over 20 years on average two months ago. Thus, the total interest savings over the term are just under €65,000. This then covers the rough costs for the additional effort for KFW40.

Then there is also the saving on the bank loan with regular interest for the remaining financing amount of 3,xx on top.

Do you mean the interest savings if you possibly move into a better financing term?

We agreed on a mixed interest rate of 2% over 20 years on average two months ago.

Can you tell me more about your other components? What does the 20 years include? I am also facing the decision AD + KfW300 + SAB funding and am unsure about the fixed interest terms.

Do you mean the interest savings if you possibly move into a better financing period?

Can you say more about your other components? What does the 20 Y. include? I am also facing the decision AD + KfW300 + SAB funding and am unsure about the fixed interest terms.

I mean we don’t have to borrow the €170,000 at 3.xx%. That of course saves a lot.

We got the KFW 300 through the Allianz at 0.22% for 10 years. It was a promotion by Allianz. The rest we have at 3.7% full amortization.