Disagreements regarding construction financing

. One is the standard product, the other is additionally subsidized by the prefabricated house provider.

The financial advisor is surely also referred directly from the house sale, right?

As a rule, 10/15/20 years are standard products. The 12-year one would therefore be the additional product, but this is definitely not subsidized. In my opinion, serious advice looks different. Do yourselves a favor and take an independent financial broker.

You ultimately pay for the "subsidy" through the house price itself. So there is still room for negotiation downwards if you do not take advantage of the subsidized loan.

The financing advisor is surely also directly referred from the house sale, right?

As a rule, 10/15/20 years are standard products. The 12-year one would therefore be the additional product, but this is definitely not subsidized. In my opinion, serious advice looks different.

No, sorry, the 12 years are standard from the bank, the 10 years are the subsidized ones from the house provider. And yes, the financial advisor is a "free" advisor with whom our house advisor has worked for years. But I don’t want to imply anything. I’m really just trying to find out how much risk I’m taking if I wait with the application until April. Why does the advisor want to close the deal at all costs this year?

I can only repeat what was told to me.

If in doubt, you just have to keep bothering people until all questions are answered to your satisfaction and you know exactly what you are signing in the end. I think it is right and important to be cautious with the biggest investment of your life and question everything. If there is no detailed information on any topics, the provider is not reputable.

Find banks/agents yourself who offer you the financing. Talk to your house bank, etc.
You should separate the financing from the house builder as much as possible to avoid conflicts of interest.
The interest surcharge of more than 0.5% for two additional years is outrageous.
You should deal with the topic of financing in great detail before signing the contract and obtaining credit insurance! There are numerous threads in this forum alone that can help, and I would also buy additional literature, e.g. from Finanztest, on the topic. Afterwards, you can better decide what suits you best.

Bank - 150,000 - 12 years - 2.16%
Bank - 100,000 - 10 years - 1.6%
KfW 153 - 50,000 - 10 years - 0.75% (KfW 40) (+5,000 repayment grant)
KfW 124 - 50,000 - 10 years - 1.7%

What advantage does the advisor promise you from taking the 50,000 EUR via the KfW124 program instead of 50,000 EUR more through the bank loan? By the way, this applies to both options.

Wtf? Do you want to fit into the bank's scheme or should the bank adapt its offer to you?

Which bank has a 12-year fixed interest period as a standard? That is not a standard. Nowhere! And it has nothing to do with collateral either.

Why do you like this bank so much? That is certainly not a very good condition, even with 100% financing.