Financing offer evaluation and question about mixed interest rate

Look at the contract / offer. The costs are written there in black and white

Whether it is 15 or 20 years is of course a personal preference. If you are rather risk-tolerant, I would choose 20 years.

The good interest rates obviously only apply under the assumption that I completely repay the two L-Bank loans after 10 years. Otherwise, the calculation will probably be worse. But then you could negotiate again at that time.

So I have now decided on 15 years with 2 L-Bank for a mixed calculation with 1.3%. The option with 20 years would have come to 1.46%, but I think the 15 years already offer good security. Besides, I can work directly with the house bank. The loan broker annoyed me over time. When I declined him, he pretty much snapped at me. I found that a bit unpleasant.

That the advisor snaps at you is for me a sign that you are doing everything right. For me, the house bank is always a good choice, as long as the offers are close together.

Thank you. And yes, that actually kept me busy for a while. The way of making someone feel guilty just because they choose someone else, I didn’t find particularly professional either. I had inquired with one or two other banks as well, and there you were not pressured or constantly called after. What also annoyed me was that the real estate agent and the financial advisor know each other well, and the real estate agent was immediately informed by him that the property is affordable with my financial possibilities. That actually isn’t right either. But whatever. I’m quite glad that the matter is settled now. And I think the 15 years already provide enough planning security.