ok By the way, you posted your request in another forum with strange intermediaries^^We were at an independent financial advisor today who is now doing an analysis and financing. This includes looking at Kfw, annuity loans, and possibly a home savings contract; he is actually not a fan of Riester due to several reasons. The property must not be rented out, taxation is unclear, etc. Let's wait and see what comes out of it.
Everyone who works receives Riester subsidies, which are independent of income, and tax savings are added on top. The more you earn, the more you benefit. You are confusing this with the housing construction premium or something else.When I dealt with Riester pensions some time ago - when it was still quite new - it was roughly said: This is for people who could not provide for themselves without the subsidies. As soon as you no longer receive the subsidies, there are more attractive products that impose fewer requirements.