Forward loan proposal, annuities or building savings

I would like to stay with the current bank because we still have another loan with the bank that we took out in 2016.
Briefly on the history, we first had a condominium and later built a house.

The question is really whether to go for security with building savings or not?

You are basically the best customer for any bank. And it’s not fighting for you. The building savings contract costs more. How long is the second loan running? Maybe it can be refinanced. Otherwise, it will fail anyway because of the first rank in the land register.

The 2 loan runs until 2026.
Another bank will therefore not be possible.

The only question now is [Bausparvertrag] or not?

The 2nd loan runs until 2026. Another bank will therefore not be possible. The only question now is whether to choose a home savings contract or not?

No, according to your explanations it's more expensive. So Forward

So under these conditions, I wouldn't sign up for either of them!

If you are an absolute security fanatic, okay. Ultimately, the decision is yours anyway.

The advantage of, for example, an intermediary is also that you are constantly kept up to date, for example during special promotions.

That's how I ended up with Schwäbisch Hall back then, for example, with 36 months without an extra charge. Couldn't believe it, but it worked.

Best regards