House purchase and house construction - What can we afford

If you think that banks altruistically give up part of their margin, then that's okay, and on the other hand intermediaries don't also sometimes present an offer that is (for them!) cheaper a bit better (can you verify whether he really presents you with the offer that is 5bp lower but offers less commission as well?), then keep that belief :)

Sorry, but you haven't understood the core. Loan contracts are so simple to understand that you don't need an independent advisor to sell them to me. I simply buy from the one with the best offer, no matter who it is. Any fool today can get a financing offer with three clicks. From that, he chooses the best one and that's it. What role should a fee-based advisor have there? For financings, that's really absolute nonsense.

Quick update: The plan is that we will talk to the real estate financiers in the spring + I am currently in talks for a new job (which on the one hand would give me more security + on the other hand would probably increase the income by [a little] again). Changing jobs would probably delay everything a bit due to the probationary period.

So the customers who have taken out a building savings contract for the purpose of follow-up financing in recent years or have directly integrated one into their financing are currently laughing all the way to the bank. You just have to see where it fits, but your general statement is unfortunately incorrect.

To be honest, I'm not so sure about that. A TA concluded in 2020 will transition to the building savings contract around 2033. No one can reasonably predict the interest rates until then, but with the costs of a TA, the follow-up financing probably has to be above 4% for the supposedly low interest rates to actually be an advantage.

I am sure about that, but what about those who concluded between 2008 and 2013, for example? They now have follow-up conditions around 1-2%. They are driving significantly cheaper. And even the one who concluded in 2020 will be happy, because he can sleep peacefully and doesn't have to fear rising interest rates or exploding installments, as he has planning security! And exactly for such people, [Bausparen] is good when I want security. Yes, [Bausparen] is not free, good advice is important, and in the end, the customer decides what he wants.

Are you a representative of a building society? ;)

Those who signed up in 2013 built at half price with about 3% interest. What should they worry about? Whether you do the 50k follow-up financing at 3% or 5% is almost irrelevant. And I doubt that the building savings contract from back then now has a 1-2% loan interest rate. In fact, the problem in recent years has been that the building societies wanted to get rid of their customers because of high interest rates. I still have a small one from 2013 lying around that pays 3% interest on the balance. The loan accordingly more.
Those who signed up in 2008 hopefully used the special termination right after 10 years and refinanced with a full amortization loan at the interest rates at that time. It's actually obvious to do it that way.

PS:
I once had a representative who wanted to sell me a TA. He praised in 2021 how many of his existing customers had just refinanced cheaply without the building savings contract...