Financing via daily savings account

There must be a noticeable increase in savings.
The exact amount could not be determined over the phone.
Approximately 60 - 70% should be regularly paid into the home savings contract.
That would be around 180 - 210 €, assuming the initial amount of 300 euros ...

Caution:
Due to the lower payment, you will only reach the minimum valuation number later. This is crucial for the allocation maturity.
Otherwise, it may happen that after 15 years you want to repay the loan, but the home savings loan is not yet allocation-mature.
Then you might have to take out an expensive interim financing until you receive the home savings loan.

Hello!

Sorry, but the plan won't work like that.
"Normally" (in your individual case please talk to your bank - only they can answer your questions) - "normally" you can also pay the money into the [Bausparvertrag] in one lump sum.
However, the money must then remain there for 3-4 years until you can access the [Bauspardarlehen].
That means 10-11 years in the [Tagesgeldkonto] and then everything into the [Bausparvertrag] would work - but be careful! Then you have to save the entire amount within those 10-11 years, for which you otherwise would have 15 years...
And if you can already gather the amount in 10 years and directly save it with the [Bausparvertrag], then you can pay off the [TA-Darlehen] after 10 years and save a lot of interest...
Or does your [TA-Darlehen] have a fixed term? Then you have to be careful anyway that the bank does not change the allocation requirements and you might only get the [Bausparvertrag] allocated after 16 or 17 years...

I myself also find the [Bausparvertrag] option very good - with the higher costs I buy absolute interest rate security over the entire term of my financing. Makes quite a bit of sense for large financings and long terms.
Whether it was the right decision is a calculation exercise - how high can the interest rates be in 10 or 20 years at most so that the [Bausparvertrag] was worth it??
Let's just talk about it again in 2022 and 2032 - then I can tell you if it *in my case* was worth it :p
In any case, I will sleep better for the next 30 years now!

Regards
Micha :cool: