Home purchase financing - we cannot decide

I understand what you mean. An interest rate per variant would of course be even better to be able to compare both.
I have now used a calculator and entered all data per variant including the KFW loan. Since I now know the effective interest rate for the building savings combined loan, I was able to enter the data here.

Conclusion:
Offer 1: 2.05% mixed effective interest rate, monthly rate 1355, outstanding balance after 10 years KfW 33T, outstanding balance after 20 years loan 124T
Offer 2: 1.97% mixed effective interest rate, monthly rate 1335, outstanding balance after 10 years KfW 33T, outstanding balance after 15 years loan 66T

The results and partial results were compared with the individual loans in the offers.
The total monthly burden is almost accurate to the euro. Outstanding balance matches, individual installments match, etc.

But now you're happy, right? I am.

Thanks for the motivation! I always believed in it. But trust is good, control is better

I cannot understand this. Why doesn't the bank calculate the blended interest rate for them?

The discussion here goes on for 5 pages, while the blended interest rate is calculated by the bank or an expert in 1 minute.

I consider the offer to be in need of improvement, both in terms of the interest rate and the concept. Additionally: In the [Bausparvertrag], the F60 of the signal has not been taken into account, a tariff with 1% credit interest, a loan interest rate of 2%, lower closing fees than most other [Bausparkassen] that charge 1% on the [Bausparsumme]/[Auszahlungssumme], and a required savings rate of only 30%. The latter is especially important because [Bausparen] only makes sense if you can secure a lot of loan with little funds.

I think the offer can be significantly modified.

The discussion here goes over 5 pages, while the blended interest rate from the bank or an expert is calculated in 1 minute.

Let's rather say overall effective interest rate, in #13, , unknown30 describes his variants. Can you determine the overall effective interest rates for the two variants based on his information?

I need to check later whether the information is sufficient. Of course, I can basically calculate the overall effective interest rate.

The discussion here goes over 5 pages, while the average interest rate from the bank or an expert was calculated in 1 minute.

Honestly, I didn't think about it at all because the calculation from the advisor that I explained at the beginning sounded plausible to me. And now I didn't have the opportunity, as the advisor is on vacation. Therefore, I calculated it myself. The first pages have nothing to do with the last pages, as the offer has improved significantly. But even if I now ask for 10 pages, then so be it. That’s what forums are for, to discuss/exchange with people who sometimes know more, sometimes less about the subject.

I also don't go into a VMware forum and boast that I am setting up a high-availability cluster with dedicated automated storage tiering and Fibre Channel cabling with redundant paths and switches within a few hours. That’s nice for me, but it doesn't help anyone else.

I am happy to provide more information if required. But then via private message.

They can't change that anymore anyway, signed is signed, then you should come to terms with it and what has to be paid you already know, I think that's the decisive thing.