Financing offer evaluation and question about mixed interest rate

oh yes, and then I also have the 10-year fixed interest rate:
with all offers, I come to about 1.0% effective interest, but I have one offer for the entire credit limit and another one that is a combination of 2 L-Bank components and 1 annuity loan. What is your opinion here, is the 0.4%-0.5% interest surcharge worth it for the longer term or not?
Then I wonder if the L-Bank components are that great. The interest rates are good, but they only apply for 10 years.

Calculate by how much the interest rate would have to increase so that the interest on the remaining balance is higher than the savings in the first 10 years of a 10-year fixed interest rate. We decided on 10 instead of 15 years because for 10 years there was an interest rate of 0.96% and for 15 years 1.43%. Almost 0.5% interest difference is already a large chunk of money after 10 years.

We decided on 10 instead of 15 years because at 10 years the interest rate was 0.96% and at 15 years 1.43%. Almost 0.5% interest difference is already a big chunk of money after 10 years.

May I ask how high the loan amount was for you? I think it also depends on how much you manage to repay during this time. The broker actually calculated it and came to the conclusion that with the 20-year fixed interest period it breaks even. So apparently it’s worth it.

May I ask how high the loan amount was for you? I think it also depends on how much one manages to pay off during this time. The broker actually calculated it and reached the break-even point with the 20-year fixed interest rate. So it apparently pays off.

Loan amount: €494,000. The property, valued at nearly €150,000, was considered equity. The bank accepted the second lien, which certainly involved some "surcharges."

are those your only options? Is the broker the real estate agent or did you take a financing advisor, if yes, who pays them? You with a fixed amount?

So, what confuses me now. Which offer is better now? The mixed interest rate from the first offer is better, albeit only minimally. Nevertheless, the interest rate of the annuity loan is higher (after all 0.2%), yet the installment is 50 euros more expensive (almost 1700 euros).

You always have to consider interest/term/installment/repayment, then you can use the slide rule. Additionally, the respective remaining debt and put everything into a nice colorful table. ;)

You always have to consider interest/term/rate/repayment, then you can start the slide rule. --> but the mixed interest rate should be the decisive factor. The repayment is higher in the offer at 0.36 effective (it has to be, since a weighted repayment must also be applied). The L-Bank loans have fixed repayment rates of 3 or 3.7%. Therefore, I think the broker's offer (I don't pay him directly but through the loan) beats the bank's offer (which actually turned out to be somewhat higher today because it had to be adjusted).