Financing single-family house 1964, 145k equity, 582k loan, 6k equity

Go to a financing broker. Dr. Klein, Interhyp and co. You can also get 20 years there. Everything fits wonderfully for you, the remaining debt is quite secondary.

I also consider the remaining debt to be absolutely manageable and would definitely tend towards a 15-year or even 10-year fixed interest period. If I roughly assume +0.3% interest for a 20-year fixed interest period, you would pay 150€ more per month with the same repayment. Is it worth it to you?

You are already somewhat older, so it just about works out until retirement. But depending on your salary and provisions, you could even finance into retirement. It really wouldn't hurt.

Sparda offers 20 years … Raiffeisen unfortunately not for new buildings but yes for existing ones …

We have not come across a bank that did not offer 20 years. Sparkasse, Commerzbank, Deutsche Bank, Volksbank and others whose names I have forgotten...

Since my girlfriend and I have almost exactly the same basic financing data, I am happy to share our thought processes with you.

We also thought back and forth for a long time about which term would suit us best.

In our case, a sum of about 290,000 would have remained with a loan term of 15 years.

In the end, there is no right or wrong here. Many advised us to go for 10 years, even more for 30 years.

No one can reliably predict what the interest rate level will be in a few years.

We decided on the middle ground and chose financing over 10 years (KFW - 120,000) as well as Hypovereinsbank 20 years.

Interest conditions HypoVereinsbank 0.92

The loan was brokered to us through Interhyp.
We still have a local contact at HypoVereinsbank.

We would have liked to do the financing through Sparkasse as well, but they struggled with a 20-year term and tried to achieve this through building society contracts.

In the end, we would have had 4 components in the financing, which was too complex and confusing for us.

Also recommended is the DKB, there you can also split the financing amount over different terms. Up to 30 years...

The conditions are displayed to you directly on the homepage.

The online page of Handelsblatt also offers a conditions comparison for construction financing.
There you can also filter by direct banks, if that appeals to you more.

I can recommend Interhyp, although they did not advise us optimally regarding the KFW funding, which led to us not receiving the full subsidy.
We can still live with that since the other conditions are really top.

I would never finance my house with a direct bank where I can't just walk in …. I was there when PSD was selling off the loans to whoever …. No more patience for that ….