Financing Single-family house 520TE current market situation / year-end business banks?

Do you have the possibility to adjust the repayment? I think 39 years is quite something. If you are finished with the [Bausparer] earlier but the costs are similar, is the rate higher then? (What speaks against repaying a bit more in option 1?)

Do you have the option to adjust the repayment? I think 39 years is quite something. If you're done with the building savings contract earlier but the costs are similar, is the rate higher then? (What speaks against repaying a bit more in option 1?)

No, in the first one we can only make special repayments.
Total rate in both almost the same.

With option 2 you finish faster (assuming you keep up the payments like that)
You can make a kind of "special payments" with both.

Two options have now emerged as favorites, or rather these are our best offers. Maybe you would be so kind and take a critical look: 1) Annuity loan 30 years at 3.6%, 1.2 amortization (we would make special repayments here) in conjunction with KfW loan (124 program) Remaining debt loan 150K Remaining debt KfW 30K (Calculated to be paid off after approximately 39 years)

The KFW would be fixed for 10 years? See attachment.

The KfW would be fixed for 10 years? See attachment.

Yes exactly that one, I will save in an ETF for 10 years and then pay off the remaining debt… that’s the plan (if I were to take the contract)
My wife prefers the combination with a building savings contract

I also looked at the total costs here, i.e. interest payments, costs, etc. - would be almost identical in both cases

I can hardly believe that. That would be the first TA loan I’ve heard of that actually is cheaper than a 30-year fixed interest rate. Considering the low repayment in option 1 (and thus hardly an advantage compared to TA), that might possibly be true. Please provide the key data for it.

I can hardly believe that. That would be the first TA loan I’ve heard of that is actually cheaper than a 30-year fixed interest rate. Given the low repayment rate in variant 1 (and thus hardly any advantage compared to TA), that could possibly be true. Please provide the key data for it.

V1
Financing requirement 470k (420 bank, 50 KfW)
Bank 3.6 with 30-year repayment 1.17 (remaining debt approx. 150k - option for special repayments 5%, which we would do here)
Part KFW at 3.26 for 10 years
(Remaining debt 35k)
Payment from 2024 approx. 1920€

V2
Building savings sum 470k
Savings phase 628 euros
Savings duration just under 20 years
Balance at payout 143k

Loan phase 326k
Repayment / interest monthly 2330
13.5 years until payoff at 2% nominal interest rate

Parallel annuity loan at 3.57 with 20-year fixed interest rate; monthly approx. 1400

Is anything missing? Your opinion?
Thanks