Financing offer: TA loan with building savings contract

The 5% is not a regular repayment. It's more about an inheritance from great-aunt Lieselotte that you can then sink into the house.

But honestly, with a household net income of €7,500, I wouldn't bother with a €2,000 rate and a financing term of 33 years. Above all, I wouldn't reject loans that "only" have a 20-year fixed interest period. The remaining debt after 20 years only hurts if you haven't paid off much and have little financial leeway. The latter is definitely not the case for you, with €5,500 left for living expenses per month. You could easily manage even with significantly higher interest rates. Alternatively, with high interest rates after 20 years, you can (partly) repay the loan.
You really have all the options and don't have to plan the financing all the way through to the end. Banks charge a lot for that.

Honestly, I also don't understand why you are throwing so much money out the window. We fixed the interest rate for only 15 years with significantly less income because in the worst case we can manage the remaining debt of around 200k even with higher interest rates. In the best case, we use the special repayments and have significantly less remaining debt. With your income, you could even be finished in 15 years and there are such nice interest rates below 1 percent.

Thank you very much for your suggestions. The rate is deliberately chosen this way. We can always make special repayments, which amounts to 2000 euros per month. These can be put separately into a daily allowance account. But you don’t have to. The model is deliberately chosen like this and we are aware that with a higher rate you finish faster. We still want to live well and keep ourselves financially healthy for ongoing costs (car, maintenance of existing properties, vacation, etc.). In the end, I just wanted to know whether an annuity loan over the same term would be cheaper. But I did the math: TA loan and annuity loan are basically the same in terms of cost over 20 years. And after that we acted correctly if the interest rate is beyond 1.5%. Either way, there isn’t actually much difference.

What contrasts. In the other topic someone wants more, but it's not possible at all, and here it's exactly the opposite :D

I would pay off as much as possible for as long as possible at first. This way the amount goes down, especially at the beginning. If it should become tight at some point, you can change the repayment rate. At ING you can change the repayment rate twice for free (I did that too, but upwards, it annoys me that I didn't start higher right away). Regards Olli

Why does it annoy you that you didn't start higher?

I ask because I want to start with a repayment of 2% at the end of this year. I want to reach 3% through special repayments.

You can change it anyway variably from 1-10%, so why start high?

Thank you very much for your suggestions. The rate is deliberately chosen this way. We can always make special repayments, which amounts to another 2000 euros per month. You can put that separately into a daily allowance account. But you don't have to. The model is deliberately chosen like this and we are aware that with a higher rate you finish faster. We want to live well and keep ourselves financially healthy for ongoing costs (car, maintenance of existing properties, vacation, etc.). Ultimately, I just wanted to know if an annuity loan over the same term would be cheaper. But I calculated it the other way around: TA loan and annuity loan cost about the same over 20 years. And after that, we acted correctly if the interest rate is beyond 1.5%. Either way, there isn't actually much difference.

We also decided between TA and construction loan. The costs were indicated or we calculated them. In our case, the TA loan was cheaper.