Dissolving Wohnriester as easily as possible?

Well, anyone who thought that the state only gives away gifts is wrong

And then €5340 or €6090 are taxed, correct or not?

You forgot the compound interest.

One pays taxes on money one has saved oneself

But you also get allowances + taxes (if indicated) back in the tax return. We pay only €3600 per year into Riester, but get another €1500 on top through allowances and taxes.

If I don't do that, I can simply use the money as equity without paying taxes on it, instead of putting it into building savings now, withdrawing it again after a more or less long time and paying expensive taxes on it. That is totally pointless, that I have to pay taxes on my own saved money just because it was once deposited for a short time in this building savings contract.

Normally, one only pays into Riester amounts to get the maximum allowance and maximum tax benefit. A withdrawal of the funded capital (max €2100 per year per person) will either cause the WFK to be activated (in harmless use) or you have to repay the allowances and taxes. Simply withdrawing (the funded part) is no longer possible.

For the building savings sum, I think differently... a small classic 20-30k building saver, that would be a good thing. But 100k?! You pay 1000€ (maybe even more) connection fees, get a ridiculous interest rate on savings, and also pay account management fees.... Who does that and why? Well, to each their own.... maybe you should also look for a reputable agent. I have never had good experiences with such things in bank consultations anywhere. Ask around among acquaintances who they can recommend there are unfortunately bad apples everywhere

The high savings contract amount is due to the fact that there is already quite a lot of credit on it. It was initially a 70K savings contract amount, but I had quite a bit of money in the checking account. It was agreed that 10k would be transferred from the checking account to the savings contract, and at the same time the savings contract amount would be increased so that it doesn't become "full." The transfer will probably be made on 15.1. Then there will be about 27k or so on it. At 30% it becomes ready for allocation. I have always followed the recommendations I received in joint meetings with an advisor from Schwäbisch Hall and an advisor from my bank. I trusted that they wouldn't recommend nonsense to me. I am becoming increasingly uncertain whether all of this was wise and am considering whether I should see if I can at least stop the transfer.

I always thought it was 60 percent?

I always thought it was 60 percent?

30% is new to me as well. Usually it is 40% and in some cases 50%