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

We had two more variants calculated. One with KFW in combination and one with a building savings contract. This makes the matter less risky but more complicated (less transparent).

Forget the building savings contracts. With the TA loan, you have no repayment for the first 10-15 years and the interest really hits hard. You can hardly make that up later with the low interest rates. A simple annuity loan is the best option in almost all cases.

Forget the home savings contracts. With the TA loan, you have no repayment for the first 10-15 years and the interest really hits hard. You can hardly make that up at the end with the low interest rates. A simple annuity loan is the best in almost all cases

Yes, I don’t want that either. My wife does :) What do you think about the combo with KFW?

Good. So you don’t know if you will even get 3.8% for 30 years. Since your loan has to be finalized in 3 weeks, that is actually not an option.
Our communication with the bank always takes 3-4 days per cycle. That means the bank sends a letter along the lines of "We cannot disburse because blablabla is missing." Then you submit something, which takes another day with the mail, processing, feedback by mail...

In the current situation, I do not consider 10 years to be Russian roulette. Does anyone here really believe that interest rates will be at 5, 6% in 10 years?
How is that supposed to work? Then, interest payments alone on the federal debt would mean more than 100 billion EUR...

Or you wait... currently, interest rates are on the way down. Financing now in a rush with 3.8% for 30 years and 1.2% repayment is, in my opinion, not a good idea. Will you even manage to pay that off during your lifetime with the repayment?

Yes, I don't want it either. My wife does :) What do you think of the combo with KFW?

Calculate the total costs over the entire term at your leisure, and compare that with the annuity loan, and how much higher the interest rate of the follow-up financing would have to be for it to be worthwhile. Then your wife will give it up quickly too. :)

Would also take the 30 years. If the interest rates are higher in 10 years, everything was done right. If after 10 years a low-interest phase comes, you can just cancel and conclude anew.