So overall, I am still very "confused" about this request. Someone wants to take out half a million. He writes that he has three offers for it, but only presents two, and even those only fragmentarily. These are then very complicated, with completely different fixed interest periods and on top of that also different financing amounts. This is justified by the fact that [Baukindergeld] might come, which of course either has to be calculated in all variants or in none. Please approach such a project a bit more logically and purposefully. So, how much money do I need (including buffer, because you need that not depending on the type of financing, but depending on the construction). And then how much interest rate security do I need and want in order to sleep peacefully. Maybe also, which other features are important to me in a financing, like interest-free period, flexibility, etc. And then I look for offers that match my ideas. And if you don't understand certain products, either find out how they work or simply leave them out. Someone who sells me products that I don't understand probably wants to take advantage of me and not give me a gift.