Financing plan - sounds almost too good for us

3.08% at a xx bank, but I already wrote that yesterday on page 1 :)

... simply ran the building savings option through our home financing calculator in the office and looked at the interest over the term (fits for an outstanding debt of TEUR 42, which is amortized annuitized - if it's only TEUR 32 it gets a bit better, plus Abschluss Gebühr Bausparvertrag).

45 k€ is the credit balance, 55 k€ the subsequent loan, less 13 k€ = 42 k€ loan.

nordanney I still don't quite understand why we come to these different results here... does your program still include any closing fees?

because:

well, I come to a monthly rate of 1067 in the building savings contract phase and 1133 in the savings phase...
= 1110€/month on average over 20 years

If I compare this with a full repayment loan over 20 years, it would have to have an interest rate of ~3%...
at 3.5% I end up rather at 1160€ that I would have to pay monthly...

do you get different monthly rates here? because if the monthly rates are identical and everything is paid off after 20 years, then I wonder where the difference of almost 50€ per month comes from...

have I forgotten something somewhere?