Financing offer - What do you think?

I don't know now what your 3% or 2.6% refer to and the exact conditions. So, regarding the other example, we calculated that an annuity loan with about 2.6%-2.8% is on par with the fixed loan with 2.3% (depending on the exact commission and interest on credit balance). Otherwise, the conditions for the fixed loan sound good; my principle is also, regardless of the key/interest values, simply to look at with which loan/provider you have repaid the loan with overall fewer expenses in the end. That is the decisive factor when the secondary conditions (rate, security, repayment adjustment, etc.) are sufficient. One should actually not calculate with special repayments and other things (even though higher possible special repayments and others are of course great, but "fresh" after the house construction, one may not be able to save an additional €10k every year).

Hello Saruss,
our fixed loan has an interest rate of 2.6%, hence the figures.
We have now given it to other advisors as a reference and asked them to find something better. The answer: There is nothing with our conditions. That lets us sleep more peacefully.

Of course, we do not plan the special repayments as fixed.
However, in our planning, we have taken into account that children are supposed to come at some point. If that does not work out, about €13k per year will be available, and we naturally want to use that to repay.

So, we just had the appointment with the second advisor. He also comes to the conclusion that you can't get these conditions with a pure annuity loan. Since the interest rate for the preliminary loan is fixed until allocation, it is a good offer. He is now comparing similar offers with this one again. He also provided important information about potential problems with payment ([Bausparkassen finanzieren nie das ganze Grundstück]) and about the amount of the lending value. Advisor No. 1 is therefore finally out, that was all just nonsense ^^