Financing offer evaluation and question about mixed interest rate

Mischzins müsste doch der ausschlaggebende Faktor sein

Basically, yes. The question remains how it is calculated. Example: 100 k€ at 1% and 400 k€ at 1.5% do not result in 1.25%, but rather 1.4%. What kind of 2 L-modules are those? Therefore —> table

Basically yes. The question remains how it is calculated. Example: 100 k€ at 1% and 400 k€ at 1.5% do not result in 1.25%, but rather 1.4%. What are these 2 L-components? Therefore —> Table

These are two subsidized loans in BaWü. Housing with child at 100k and combined loan at 100k. Although the terms have worsened somewhat since yesterday. The two L components have been increased. Now the 20-year offer would be at 1.42. The 10-year at 1.01.

Perhaps the 10-year option might still be worthwhile. According to the calculation based on the remaining debt, the threshold for the interest rate would be 4% after the expiry of the 10-year fixed term, after which the 20-year fixed term would be cheaper. The question is whether the interest rates will actually rise above 4% in 10 years.

These are two promotional loans in BaWü. Wohnen mit Kind for 100k and Kombidarlehen for 100k. The only thing here is that these promotional loans cannot be repaid early, i.e. you have to refinance after 10 years. Whether that is disadvantageous, I don’t know, the broker says no. A loan in one piece would probably be simpler to handle (so only 1 component).

Whether that is disadvantageous, I don’t know, the broker says no

You just have to create the table and play around with the options…

Now I have to ask something else. We have not yet made a final decision on which offer. But we wanted to do that on Monday. Then the financial broker has to submit everything to the bank first. However, the real estate agent called me yesterday and said he had reserved 2 appointments with the notary for next Thursday and Friday and asked me which one would tend to be better for us. But I think that will be too tight. I don't want to confirm an appointment before the bank has given its approval, even if the financial broker says it will definitely work out. So far I have inquired with 3 banks and all say it will work. But of course the bank you ultimately choose has to give its OK. Do you see it the same way? Besides, I also have to have time to review the contract draft, even if it will certainly be a standard contract.