Fixed interest rate for the entire term or only 10 years?

Don't know what your problem is. The [Bausparer] in option 1 is not bad. As long as there are no hidden costs involved, the total costs over the term and for the amount are not bad. I find the allocation a bit confusing: the fixed interest period is 15 years but the allocation is in 18 years. If that's true, you have to be aware that there is an interest rate risk for 3 years. With your first and second components, you have a relatively high remaining debt. Rising interest rates will not only lead to higher costs but also to a higher installment. If that's too much risk for you, ask if you can get the annuity component in the first option for 15 years. The surcharge won't be that huge. What complicates things is that you include the special repayment and the [Baukindergeld] in the calculation. That doesn’t really make it comparable.

I don’t know what your problem is. The building savings contract in option 1 isn’t bad. As long as there aren’t any hidden costs, the total costs over the term and for the amount are not bad.
I find the allocation in 18 years a bit confusing but the fixed interest period only 15 years. If that’s correct, you have to be aware that there is an interest rate risk for 3 years.
With your first and second components, you have a relatively high residual debt. Rising interest rates will not only lead to higher costs but also to a higher rate.
If that’s too much risk for you, ask if you can get the annuity component in the first option for 15 years. The surcharge won’t be that huge.

What makes it confusing is that you include the special repayment and the Baukindergeld. That doesn’t really make it comparable.

Yes, I don’t think it’s bad either. And other banks are really struggling to match it. There are no hidden costs.

Yes, I still need to clarify the three years.

Unfortunately, the VR doesn’t go higher than 10 years. But I can live well with this residual debt.

Sorry again for providing too little data at the beginning. But I have to say the help here in the forum is really great. I was helped a lot. Thanks for that.

Yes, I don't think it's bad either. And other banks are really struggling with it right now, no one comes close. There are also no hidden costs.

Have you calculated the costs yourself?
I come to over €60k for offer 1 just by rough estimation.
So:

[*]KFW: 7,200
[*]10 years annuities: 11,600
[*]Savings period: 27,600
[*]Repayment: 16,400
[*]TOTAL: €62,800

Where does the difference to your €44,400 come from?
Still for 30 years, not that expensive, but already 50% more expensive than expected, or did I miscalculate?

Yes, I still have to clarify the three years.

This gap would make me very suspicious, it reads to me as if someone made a mistake.

Where does the difference to your €44,400 come from? Still for 30 years, not that expensive, but already 50% more expensive than expected, or did I miscalculate?

That is only the amount for the TA and home savings contract. The costs for the remaining debt after 10 years with KFW and annuity until repayment were the starting point of the question.

Have you calculated the costs yourself? I come to over €60k for offer 1 alone with a rough estimate. So:

[*]KFW: 7,200 [*]10 years annuities: 11,600 [*]Saving period: 27,600 [*]Repayment: 16,400 [*]TOTAL: €62,800

Where does the difference to your €44,400 come from? Still for 30 years, not that expensive, but already 50% more expensive than expected, or did I miscalculate? This gap would make me very suspicious, it reads to me as if someone made a mistake.

By total costs I meant all costs of this one component. But if I compare the costs of the building society savings contract and the two loans with 10 years Zb in offer 1 with the total costs of offer 2, then there is a difference of about €70,000. That means the interest rate for the remaining debt of €160,000 would have to rise to 4% for me to have exactly the same costs as with offer 2.