Financing with grace period loans + building savings contract

Insurer is not bad. You can almost assume it is an insurer only with the long fixed interest period (30 years) and a standard annuity loan. Not many banks offer such long fixed interest periods, and mostly only with building society constructions.

He always has to write something, no matter what.

No, it is the Hypovereinsbank.

that would of course be a much better alternative than the building savings option. Is a normal request to HypoVereinsbank sufficient for this, or how should one best proceed?

I’ll send you a PM for a contact of a [Vermittlers]. He can submit it under the conditions.

HelpHelp, one can only hope that the broker helps the OP more than you do. Here follows a well-meaning request, since we now have peace here and will certainly maintain it.

Without recalculating - thanks to guckguck2 (I had little time these days to recalculate) who did that and rightly clarified - the blunt statement comes that he would not be free of repayments after 31 years, which he would be mathematically with the model with a higher repayment after 15 years. No clarification, but out with the post, even though the error lies somewhere else?

I will spare myself further statements from you explicitly in this thread, but can you sometimes not write anything, or if you do write something, specify it this time, and why should anything be foolish, especially since one can certainly calculate one’s financing, or rather the end of repayments, mathematically up to retirement age?

It always sounds like a shot fired, bam, bang, boom out without explanation, sometimes without content and expertise and somehow as if you are not interested in the OP individually at all. Here it’s the disability insurance, there the children, then again the too low repayment rate, and then comes Mars falling to Earth. Why don’t you involve the OP in your thoughts, why do you shoot without considering them, without questioning anything?

The advantage of my proposal or my suggested concept is that repayment can possibly be temporarily reduced to 1%, to be then increased again when parental leave ends. Much can, little must is the motto here, the flexible part of the financing and whether one can mathematically leave a small residual debt after 30! years must also be considered or questioned. Sondertilgungen and options to change the repayment rate allow a lot of room to come to the conclusion that this risk is manageable and calculable, especially since one can finance this even with 6% interest over 30 years in such a way that a small installment is even carried into the retirement phase, which previously could not be arranged at all.

Durm 2019, how high is the monthly interest and repayment burden that you wish for, that is acceptable to you and with which you can sleep peacefully in your mind?