Evaluation of financing offers for our house construction

Looking back into the past is even less useful in this case than usual, since the market environment is unprecedented so far. When people sign up for building savings contracts in low-interest phases (=a bet on rising interest rates) and interest rates actually rise significantly, they will increasingly withdraw the building savings amount. That often was not the case in the past, since interest rates steadily declined, i.e. the guaranteed interest rate was unattractive. Ergo, no building savings loans were withdrawn. Whether it happens or not is, of course, crystal ball gazing. But I claim that the probability that the allocation will not occur on time is higher than ever before.

That is exactly the risk I see. Ultimately, I then have to decide whether to accept the interest rate risk or the danger of interim financing.

I will definitely take a look at the mentioned Signal Iduna tariff, thanks for the tip.

Otherwise, the framework conditions are €340,000 loan with €50k equity, possibly KfW55 will still be possible, the structural engineer has to calculate that.

: this risk is apparently seen this way by the signal mentioned here in the topic as well. I had looked at this f60 until, basically after all the great conditions, the following only appears in the online application:

SIGNAL IDUNA Bauspar AG, with effect from 01.07.2016 until further notice, makes the following adjustments to the acceptance guidelines:
Bausparsumme max. 50,000 EUR per contract saver
Mandatory regular savings contribution (no more and no less) 4 per mille of the Bausparsumme per month
Savings contracts that are assigned as part of financing are exempt from this regulation.

Oh Caspar2020, you are not helping anyone with this old or outdated information. It has long since been relaxed again for reputable brokers. The F60, when included in a building loan, is to be reissued in the old form with

- approx. 30% savings rate
- 1% credit interest
- 1.6% closing fee on half of the building savings amount instead of 1% on the full building savings amount
- 2% loan interest

This tariff is unbeatable on the market from about 10 years allocation time under the aspect of the above-mentioned features (ideal, for example, for securing KfW)!

Among others, we brokers have prevailed here and Signal has relented

don’t pass on these old or outdated pieces of information to anyone

Just tell that to Signal on their website.

It was about the future danger that touched on.

Caspar2020 and there's always one more from you. Please stop that, really. Just say I didn't know that, I'm not the expert or whatever. You post here like a big shot, basically I think that's good, but if you have no idea, then question my statements, but don't present them as wrong just because you somehow think you know better!

The tariff has been released again and just because it is not actively advertised does not mean that experienced and renowned brokers are not allowed to use it for their real estate financing.

You couldn't have known that, but maybe you also don't know other things, yet you act as if you are the expert and have the solutions. Let's stay fair, factual, and fair, then it'll work out between us too.

The tariff has been released again, and just because it is not actively advertised does not mean that experienced and reputable brokers are not allowed to use it for their real estate financing.

Well, that is yet another reason to be skeptical whether some building societies will really manage the allocation timing properly in 10 or 15 years.

With well-interest old contracts, the BVS have no scruples about terminating them and cleaning up the portfolio with many tricks.

For allocations of building society loans, nothing is legally guaranteed; after all, the target evaluation number is newly determined quarterly.