Financial service provider has made an offer

We were at a financial service provider yesterday and he proposed an offer to us.

We plan a low fixed rate and want to repay a lot through special repayments. For our current expenses, we only need one income and can set aside my salary. We are therefore able to make the 5% special repayment.

We have no children, no other financial obligations, and the cars are still fine.

I hope this is enough information to evaluate the offer or give us advice. If not, I will provide the information later ;)

Thanks and regards and have a nice weekend!

What do you want to know?

Hmm true, without a specific question there are rarely specific answers.

In general: Are our considerations okay or are we on the wrong track?

More specifically: Is this offer a good offer given what is available on the market?
Are the conditions good, so-so, or rather so-so.

oh yes we are aiming for Kfw 70, but so far have not planned to apply for a KfW loan.

What will you do in 15 years when you have to renegotiate, but the interest rate has tripled? Will you still be able to afford the payment?

That would be too much remaining debt for me...

Never planned to have children? Prepayment is great - but few actually do it. Especially not in the first few years...

Is the posted financing requirement based on the bank offer?

I already see the first difficulty there due to the very low estimated incidental construction costs including outdoor facilities.

Why do you only want to commit yourselves to 15 years? The repayment rate is set low. The amount after 15 years is therefore still very high. Have you considered where the interest rate could be in 15 years and how things should proceed after the term ends?

2.25% repayment is standard at the current interest rate level. I also wonder why the repayment is not set higher. Few people use the special repayment.