Error in financing?

Because the criteria by which a [Bausparvertrag] becomes ready for allocation are not fixed. In principle, you receive "points" for deposits/interest, and at a certain number of points the [Bausparvertrag] becomes ready for allocation (in addition to criteria like minimum savings). However, this certain number of points is variable and is recalculated every year (I believe it depends on the overall financial flow of the [Bausparkasse]). Therefore, when concluding a contract, you can only roughly estimate at which deposit amounts, etc., the readiness for allocation will be given in time. If you have a [Bausparvertrag], you should always monitor these values closely so that if necessary you can make special deposits (if you are even able to..) in order to accelerate the increase in points.

Because the criteria according to which a home savings contract becomes due are not fixed. You basically get "points" for payments/interest, and at a certain number of points, the home savings contract becomes due (in addition to criteria such as minimum savings). However, this certain number of points is variable and is recalculated every year (I believe it depends on the overall financial flow of the building society). Therefore, when signing, you can only roughly estimate at which payment amounts, etc., the due date will be met in time.
If you have a home savings contract, you should always closely monitor these values so that you can make special payments if necessary (if you can at all..) to accelerate the accumulation of points.

Oh, I didn't know that. I thought the payout date was fixed. The banker didn't mention any of this during yesterday's loan offer, of course.... Good that we are rather focused on a pure annuity loan anyway.

Because the criteria according to which a building savings contract becomes eligible for allocation are not fixed.

To my knowledge, that is incorrect. The points are calculated (at least with Wüstenblau) according to a fixed formula. I believe this takes into account the capital newly paid in during the year and the total balance. It becomes eligible for allocation once a previously defined number of points is reached. So the allocation time could be calculated. However, what is correct is that if the building society's capital is insufficient, for example because there are too few savers in the saving phase and too many savers in the loan phase, the highest points determine the order of payout.

Right, the points are fixed. But the amount of points needed for allocation is variable.

That's right, the points are fixed. But the amount of points required for allocation is variable.

That's exactly what I mean too. Of course, there may be a fixed internal formula to calculate this amount of points, but you have no influence on the actual amount. By the way, most building societies also have a clause that allows the payout/allocation to be delayed by up to 6 months even when allocation maturity is reached.

So you would conclude from this that one should not finance real estate with a [Bausparvertrag], right?