Floor plan single-family house with gable roof

I believe means that he would rather put the monthly saved ancillary costs, for example for gas, into the loan. Nevertheless, of course, the acquisition costs are relatively higher than the later savings. But we have already tried to convince Vogtländer of that earlier, which did not work.

Not less but equal. Well, I have about €75,000 additional costs. That means €200 more monthly loan payment.

If you want to pay off over 70 years! (assuming 2.5% interest), then yes. Provided that no higher interest rate comes up after the fixed interest period.

I have a fixed interest rate for 20 years at 1.25%

Is this a new building?! 200 € more per month for electricity/gas? Then your new building is 500 m² or you did something wrong.

Why €100 for electricity is normal and €100 for gas per month is also normal, if that is ever enough ([Energieeinsparverordnung Standard]). I am not even talking about rising energy prices.

I have a 20-year fixed interest rate at 1.25%

Are you sure?

I can't find anything comparable for 20 years with Kfw and SAB.