Maybe I expressed myself incorrectly. So I) is KFW, after 20 years 33k remain and that is currently a crystal ball, but it could also be "secured".
II and III are already fixed at 2.35% interest after 15 years, so you can already calculate now when you would be finished with constant installments. Each after about a total of 37 years - not 30. However, if I am finished with KFW after 30 years and additionally use this rate for II and III, so continue to pay overall regularly, it naturally won’t take the full 37 years.
I don’t know why everything here is supposed to be a crystal ball or why there could be a massive increase with the building society savings contract or due to the interest rates when you already get the further interest rate secured for after 15 years?
Of course, everything still has to be put in writing and checked, but I got the core statements like this for now. Where is the definite catch now?
Hello!
OK, now it looks different. But these are just "games". You can easily recreate all 3 models in Excel. They are just normal annuity loans. I have done that too or "play" from time to time with special repayments. It is clear, of course, if you use freed-up funds for repayment, that shortens the duration.
However, you will neither get models nor assumptions from the bank after the interest fixation. They would be overextending themselves. It is similar with these maturity payments in capital life insurance. How nice it was to see an 8.00 in the model, and in the end the surplus was meager.
What I still don’t understand is component 3, do you also have a follow-up financing at 2.35% there? Or is the remaining sum redeemed with component 2 after 15 years?