Financing with KfW or without? Price surcharge from KfW70 to KfW40?

@ Baumfachmann What does that have to do with trading? Instead of trading from KFW 55 to KFW 40, you can simply negotiate the price. That has little to do with whether the additional cost is worth it. And without having done the math with a fine-toothed comb and without knowing whether money was invested in the meantime (additional costs, etc.)... the profit of your apartment is roughly 3% per year. I don't know in which decade that was, but for southern Germany, depending on the region, that's nothing special in my opinion.