Financing offer - What do you think?

That sounds great to me. For me, it was 3% with a 25-year fixed interest period and a higher percentage of equity capital. Where can one find such an offer?

Is this a building savings model? Can you make your special repayments directly on the loan? Usually, these are susceptible loans until the allocation of the [Bausparvertrag], is it like that for you? If so, what is the interest rate for the [Bausparer]? If it is a normal annuity loan, please send me a private message which bank!

The word "Konstantdarlehen" says it all. That is a building savings combination, and therefore the interest rates are meaningless. The question is whether the OP is even aware of what is being agreed to.

So the OP is quite aware of what he is signing up for :-) It is definitely NOT a building savings financing, it is a completely normal annuity loan, the rate remains constant, the ratio of interest and repayment shifts accordingly. The repayment schedule and contract conditions are available. And the interest rate is anything but insignificant. We are done in 24 years without special repayments. It is an offer from BHW, mediated by a financial service provider. The building savings contract for the residual debt of the KFW loan after 10 years was our idea, by the way :)

If it is really like that and there is no catch, then close immediately. You won't get the conditions anywhere else currently even though the interest rates are low...

It is definitely NOT a building savings loan, it is a completely ordinary annuity loan, the rate remains constant, the ratio of interest and repayment shifts accordingly.

Then it is probably not a fixed principal loan.


Fixed principal loan

Fixed principal loans are a subtype of the classic building savings contract. However, unlike the immediate building savings loan, they have the advantage of guaranteeing a fixed installment for the real estate financing over the entire term. This advantage is often bought at a high cost.


Fixed model exists at the building society

Another invention of the building societies: the fixed models. Similar to the immediate building savings loan, the fixed method also involves a preliminary loan without repayment – however, a very low-interest one – coupled with the building savings contract. This preliminary loan is also fully repaid upon allocation of the building savings amount.