Evaluation of our financing offer

The main bank only offers 15 years as the longest term in the classic model... That’s why their detour with the building savings contract. What bothers me is also the closing fee, but 15 years is too little planning security for us.
KfW for the simple reason that, according to the energy consultant, we will reach the efficiency house class with the planned measures anyway. Why shouldn’t I take advantage of the repayment subsidy there?

off to the broker!

everything way too expensive

Recommendations for brokers? Dr. Klein?

jou otherwise google...

I would also choose a complete loan. If you add up your monthly contributions, that is 782 euros ... 200,000 euros with a 20-year fixed interest rate results in automatic interest calculation


After 15 years, that is at the end of 2034, there is still an outstanding balance of 80,091 euros, your above construction has an outstanding balance of 96,000 euros after 15 years.

There, alternatively, 1.2% interest is also tolerable, which presents itself as follows:

Even then, after 15 years, there is only an outstanding balance of 85,282 euros. Still better than the building savings contract, where you are then supposed to pay over 2% interest on the outstanding balance.

Sparkasse, Volksbank and so have been doing only with building society savings for more than 15 years. Go to a broker, we have now had good experiences with Interhyp, for example. You have a great equity share. We have now done everything in one big loan, which is clear, costs low fees and a great interest rate of 1.04% over 20 years. You will surely get good conditions too.

thank you for the hints, I'll see what interhyp and dr. klein offer