Financing option - Which one is better?

I find B too many modules. And I never understood the advantage of the building savings contracts in such combinations ...

Why are you repaying so much on the L-Bank loan? With such a low interest rate, I would repay little and rather pay off the expensive loan with the 3.4%. Calculate for yourself how much interest you can save if the monthly installment is a bit higher, especially at the beginning... Otherwise, I would also tend to option A; the other one is a bit too confusing for me. However, it is important that you calculate exactly what the loans cost you (interest, etc...) and then decide! The monthly burden is almost the same :-)

Why are you repaying so much on the L-Bank loan? With such a low interest rate, I would repay little and rather repay the expensive loan with the 3.4%. Calculate for yourself how much interest you can save if the monthly installment is somewhat higher, especially in the beginning... Otherwise, I would also tend towards variant A; the other one is a bit too confusing for me. But the important thing is, calculate exactly what the loans will cost you (interest, etc...) then you should decide! The monthly burden is almost the same :-)

Hello Naddl, thank you for the comment. I will definitely ask about this at the next bank appointment this week. Maybe another distribution makes more sense here.

Confusing is correct, but it was and is important to us that we secure the low interest rates for a long time in order to avoid unpleasant surprises in a follow-up financing.

Variant B is also the cheaper option when looking at the total amount. Assuming constant interest rates, according to the bank, you save about 30,000 euros here.

Variante B is also the cheaper option when looking at the total amount. Here, assuming constant interest rates, according to the bank, you save around 30,000.-.

Option B: very confusing and: where do you get the forced special repayments from? Savings possibly through the special repayment??

Option A should also work with an annual special repayment right (voluntary). Then you "save" just as much here ;)

Interest rate security is important to me too, but you have also secured the large amount over 25 years with option A.. So after 10 years you only have an interest rate risk of €28,000. Even if you repay less here and it is €40,000... This amount is absolutely manageable. And before you put €80 into a [BS], better use it to repay, then the residual risk becomes even smaller. A bank always earns with a [BS].. just the closing fees alone are huge... that also results in a nice repayment :-) Above all, you tie yourself to one bank, who knows what it will look like in 10 years.. interest rates maybe at the same level, a bit lower... then you can special terminate the large loan and be flexible in choosing a bank.

Is option B cheaper?? Hmm.. take a close look at what you pay here. There is always a repayment overview with a detailed breakdown of the interest. THAT does not lie and I would only believe that (unless your brother/father works at the bank and definitely does not want to earn from you).

I don’t want to badmouth banks here, not all are the same but they all want to make money off us :-) That’s their business after all :D

Option B: very confusing and: where do you get the forced special repayments from? Savings possibly through the special repayment??

Option A should also work with an annual special repayment right (voluntary). Then you "save" just as much here ;)

Hello Ypg, the two special repayments are not "forced" but were included at our request right from the start. Savings contracts mature on these dates, which effectively have a higher value (so part remains in our account) and these savings contracts were also not included in the equity.

However, in option A the monthly burden is already about 100 EUR higher than in option B.