...difficult to assess based on the data. If you want to use the [Bausparverträge], you can at best have them temporarily financed. And pay attention to the repayment rate with [Bausparverträgen]. I cannot judge how it matches with your desired rate. I do not know the conditions for the interim financing because I do not think much of [Bausparverträgen].
Would you build today? Raid [Bausparvertrag 1-3].
[GRD 125,000.00]
[HAUS und Co 300,000.00]
./. Equity 102,000.00
To be financed 323,000.00
323,000.00 fixed for 15 years 4.5% + 1% repayment 1,480.42
Set up a construction account, deposit 1,600.00 monthly by standing order, have the bank debit it, spend the rest of the year as special repayment.
Since continuously rising interest rates and inflation fears are being stirred up, just a few notes.
No one knows where interest rates will be in 15 years. The more security you want, the more expensive it will be for you. The debt of 323,000.00 will no longer have the value it has today in 15 years. A little inflation is quite practical. Use a repayment calculator, look at the residual debt after 15 years, maybe there is still one or the other special repayment possible, and weigh it up yourself.
Regards Ille1975