Financing plan end terrace house

Is it actually common to go to your house bank with existing offers so they can match them? Or do they generally not do that?

Is it common to go to your house bank with existing offers so they can match them? Or do they generally not do that?

Of course they do - if they can. Savings banks and cooperative banks, however, have a huge problem offering interest rate locks longer than 10 years. They basically can't do that due to their refinancing. This often runs through partners. Many of these banks don’t even offer 10 years anymore, as it’s not worthwhile (at least not from their own resources) or it’s a highly risky bet.

There is already a 45-hour daycare place.

Although it has nothing to do with the financing, more than getting the child out of bed in the morning and putting them to bed again in the evening, you basically didn’t “want” to do. :rolleyes:

Although it has nothing to do with financing, more than getting the child out of bed in the morning and putting them back to bed at night, you "basically didn't want" to do. :rolleyes:

Pretty cheeky. I wouldn't know what business it is of yours. Lack of manners to interfere in other people's private lives?

But gladly for your information: We are both currently on parental leave. Otherwise, we mostly work from home and have totally flexible working hours. And just because you have a 45-hour position doesn't mean you have to use it. Maybe you have considered that that's all there is? But why am I justifying myself here.

On the internet, everyone has their place...

Is it allowed to repay the KfW loan over more than 10 years? I thought you have to refinance afterwards?

Sure, otherwise it would be a full repayment loan and you can't quite manage that with a mere 400 a month on 120,000 over 10 years.
You can also switch the KfW loan to a normal ANU at any time.

btw: with option 2, the Volksbank repayment, installment, or term do not match.

I consider the repayment overall too low.

Pretty impudent. I wouldn’t know what it concerns you. Lack of upbringing to interfere in the private lives of others?

But gladly for your information: we are both currently on parental leave. Otherwise, we mostly work from home and have totally flexible working hours. And just because you have a 45-hour place, it doesn’t mean you have to use it. Maybe ever thought that that’s all there is? But why am I justifying myself here.

On the internet, everyone has their own place...

It is impudent when one counts on an inheritance and already directly "claims it for oneself" (see comment regarding care): Inheriting comes from dying - that should be clear. But there are so many people who simply count on it – and otherwise couldn’t afford the little house – but sure, having that in the back of your mind is reassuring. Not everyone is that lucky!

Otherwise: looks solid, go for it!