First save for building and build in 10 years

Hello forum members.

I would like to hear your opinion on whether a building savings contract makes sense at the moment if I want to build in 10 years.

It is about a product from the second largest building society (red).
Currently, the interest rate on the loan is 1.35%. The fee is, as with everyone else, 1% of the building savings amount.

A friend through whom I could conclude the contract offered me to reduce the 1% costs at the conclusion by half by giving up part of his commission.

That means, for a €150,000 building savings contract, the contract would normally cost me €1,500. So now only €750.

The building saver is credited with 1% interest. Although not much, I currently don't get any more on my overnight money account!

What do you think?

If you want to build securely or buy a property, it makes sense to conclude a building savings contract today.

If you can save something on the closing fee, that is of course good, even 1% interest on the building savings contract balance is not bad.

But pay attention to how the building loan must be repaid later. Make sure the repayment amount does not become too high and you cannot service additional loans for the house.