Financing offer with a concrete cost plan

As far as I can see, your KfW runs over 20 years with 10 years fixed interest.

But it could also be the one over 30 years. We don't know.

Would you only pay the minimum repayment rate of 2% each time? Keep in mind that with the 10-year fixed rate, assuming the interest rate remains the same, you would be paying off for more than 35 years.

Regarding equity in follow-up financing, toxic has already written something. It does not depend on the equity, but on the lending value. And that will be better if you put the money directly into repayment or special repayment than to save it.

I think the OP calculated the 15,000 as follows: Interest rate difference 0.65% 190,000 * 0.65% = 1,235 euros p.a. * 10 years 12,350 euros + a surcharge for the compound interest effect (which I am not calculating now)

Could also be the one over 30 years. We don't know.

Ah - I just noticed that the 30-year one has the same sentence. It wasn’t like that for me back then. Strictly speaking, it could also be the 10-year one with full repayment - but as I understood the OP, it probably isn’t that one.

Would you only pay the minimum repayment rate of 2% each? Keep in mind that with the 10-year one, assuming the interest rate remains the same, you would be paying off for more than 35 years.

Was that question directed at me? All three offers have a higher repayment rate than 2% (if I haven’t miscalculated).

I think the OP calculated the 15,000 as follows: interest rate difference 0.65% 190,000 * 0.65% = 1,235 euros p.a. * 10 years 12,350 euros + a surcharge for the compound interest effect (which I am not calculating now)

Then he must put the money "saved" entirely into repayment. Which, by the way, would also correspond to my recommendation if there are no counterarguments. And then the repayment rates must be different because there is only a 40 euro installment difference. It’s time to create a template here stating what needs to be specified in financing. ;)

: No, the question was directed at the OP. The question is how long the KFW loan should last. As far as I can see without more precise calculations, it could be that with a KFW term of less than 30 years, the main loan is paid off at 2%. But maybe the OP can save us from guessing. :-)

[USER=17446]

As I understood the OP, the 800 / 840 / 940 euro installments are still in addition to the burden from KfW. He wrote "for the remaining 190,000 euros." Here the OP should maybe clarify a bit more.

Then he has to put the entire "saved" money into the repayment. Which, by the way, would also correspond to my recommendation if there are no counterarguments. And then the repayment rates have to be different because there is only a 40-euro installment difference. It’s time that a template is created here indicating everything that needs to be specified for financing. ;)

If the respective installment only concerns the 190,000, the repayment rates would have to be roughly as I calculated on page 1 of the thread – as long as my calculator didn’t fail me. Yes – the repayment rates between 10 and 15 years would then be different, which also explains the remaining debts posted by @Jochen104.

Create a template – don’t hesitate :p.