Could the financing work?

@ Schemelino: Why don’t you link the Z15 loan with a supplementary loan from the L-Bank? Currently, there is a "full repayment" over 25 years with 2.15% interest and 3.15% repayment. Then you can put your special repayments completely into the Z15 loan after 10 or 15 years, or you can secure the remaining debt after 15 years with a home savings contract in parallel to the Z15 loan (this would be the safest option, provided you can pay into a home savings contract in parallel)?

According to Weberhaus and a friendly heating engineer, we calculate about 25% of energy from electricity and 75% from the air. Additionally, we have a photovoltaic system with 4.25 kWh on the roof, which, over the course of the year, should cover our electricity demand for heating and "normal" living.

So 4.25 kWh photovoltaic system means, as far as I can understand, about 66-75% later in the year -> 3.5 kWh -> if this should cover your electricity demand, then the system doesn't sound bad. Especially when you otherwise assume a good 2-3 kWh of electricity per year for 2-4 people.

@ Schemelino: Why don’t you couple the Z15 loan with a supplementary loan from L-Bank? Currently, there is a "full repayer" over 25 years with 2.15% interest and 3.15% repayment. Then you can put your special repayments completely into the Z15 loan after 10 or 15 years, or you secure the residual debt after 15 years with a home savings contract alongside the Z15 loan (this would be the safest option, provided you can pay into a home savings contract in parallel)?

Hmm, that actually sounds good, especially since you would have more security. The only question is whether I won’t have the additional financing down to zero after 15 years anyway. With special repayments and then only having to repay or refinance the Z15 loan.

What good conditions currently exist with home savings or Riester home savings?

Hello, I’m jumping in here

Has anyone had experience with Schwörerhaus? We were at the house exhibition and they seem pretty good to me!

Where did you get the scaffolding from, or did you have the service provider set it up? I did some googling and there are so many dealers. I have someone who can provide us with the scaffolding. That’s why I wouldn’t hire a company here, maybe even buy it myself. Many people in my circle of acquaintances said it would be cheaper.
Has anyone had experience with GH Geruesthandel?

This came up first after I entered Gerüsthandel.

Thank you very much for any information you might have for me

Wouldn't know what would speak against it...

The cold rent is eliminated (= 580 euros). The disposable monthly income is accordingly high, the woman is an elementary school teacher (if it is in BW as well as with us in BAY, then your wife can adjust the hours annually...), you have the step adjustment for the salary (I always refer to it as a "secure real 'salary' increase"...) and besides, the salary is usually increased by x% (inflation compensation) every 1-2 years...

In my opinion, you could manage a rate of 1500 EUR without problems (according to the rule of thumb and on the assumption your wife works)...

Otherwise, I would also look at the 20 and 25-year financing, which have also become interesting in recent weeks [especially because of interest rate security]; however, you would then have to calculate whether the interest surcharge regarding the break-even interest rate pays off...