Error in financing?

Today the Schufa self-disclosures finally arrived, I had never known that before... I don't know if that says anything yet, but overall we have a base score of 95,x and 97,x%.

Doesn't sound totally bad, but maybe you need 99^^

well 90-95 is increased risk. that means one of you is close to it

Of course, I am still paying off the loan additionally, and the remaining amount of the loan after 10 years is €100,000, which will then be covered by the building savings contract that will become eligible for allocation. For what reason should it not become eligible for allocation?
Let's be honest, €50,000 is not exactly a huge amount over 10 years, and even if you paused the payments for half a year, that would only be about €2,500. So, I have zero worries about that.

Sure, the amounts from the original poster are significantly different and higher, no need to discuss that.

So that the rent is cheaper than the house financing, I can’t confirm that here at the moment. I just helped a friend with the apartment search. She was looking for something around 80 sqm here in the countryside, with a small garden for the dogs. The cheapest started at 600 cold, with the mentioned 80 sqm and tiny garden area (terrace with a 1 m strip of green around it). Since it wasn’t clear if she would get the apartment with 3 dogs, I looked a little further for fun and ended up at a townhouse, 120 sqm with a "real" garden, for 119,000 euros. The rate would have been only 350 euros including 2% repayment, so significantly less than the much worse rental apartment. Only, the friend would not have gotten a loan. In our own case, the cold rent (650 euros) in the old apartment was just as high as the rate (the first 3 years 500, then 667 euros, after 5 years 697) that we are now paying for the house. And we had 70 sqm and no garden. Compared to now 200 sqm, 2 garages and 700 sqm of land. The additional costs have remained the same except for reserves. For a new build that may not apply, but with existing houses I claim that you live significantly cheaper there than renting. It may also not apply for top renovated and refurbished existing houses (or maybe it does?), but very few apartments are top renovated and refurbished and if they are, they also cost accordingly. Ergo: if you can no longer afford the house payment, then you can no longer afford a rental apartment either. Especially since you would again have to raise several thousand for a deposit and with the house payment, unlike rent, you can also agree on a repayment suspension with the bank in an emergency. You don’t even have to worry about it ending in a forced sale.

I do see that a new building with a volume of over €450,000 and €0 equity is more expensive than a reasonable rental apartment.

: Not if you want to have the house as a rental property. The rents are very expensive there, otherwise we would live in such a place, but it's absolutely not worth it.

But that's exactly why I don't see it as so critical if you would / had to rent it out once.

As I said: that may not apply to a new building....I already wrote that above. Certainly not for an old mansion villa either. But certainly for a modest average existing single-family house compared to an average multi-person apartment in the city. And I am definitely talking about a metropolitan area here (in my case Wiesbaden, one of the most expensive cities in [D.]).