House purchase - Proposal for financing model correct?

Hello, we want to buy a property and have received the following proposal for financing of €306,000:

Component
Nominal interest rate
Effective
Term
Rate
Amount
KFW 124
1.4
1.99
2028
58.33
50000
bausparen kfw
2.15
2.44
2038
186
BauGeld
1.62
2.3
2030
345.6
256000
bausparen BauGeld
2.85
3.1
2043
677
total
2.44
25 years
1266.93
306000

The costs for the entire term of 25 years and 5 months would be €95,000 and the effective interest rate for everything together is 2.44 percent.

Can this be correct? Are we overlooking something?

What exactly is your question? Can you please put that together in a more readable way? Baustein, Zinsbindung, Sollzins, Tilgung, Restschuld

What is your loan-to-value ratio? Then the loan can be assessed!

Otherwise, one can only say, if this is a financing proposal and you haven't just made up the numbers, that the numbers are correct :-)

I have illustrated it again as an image.
The numbers are not randomly picked and are not "copied" from the financing proposal.
The loan-to-value ratio is at 0.91.
The question comes down to the fact that it feels too good to be true.
The total costs are manageable.
The term is as desired and the monthly installment is also correct.
With a classic annuity loan, we never arrived at such results even though this model still includes costs with the building society saver.

With your data, you could get an interest rate of 2.25% at Hypovereinsbank for 25 years. Maybe there is a bonus if you choose the [Volltilger]. Without the [Volltilgerbonus] (if it exists), the rate would be 1275€. With the [KfW], the mixed interest rate would be even lower.

I find the 2.44% relatively bad.

Hello Zaba12, thanks - then I am of course interested in the contact and how I can get such a credit model.

...simply contact the hypovereinsbank. Although I would recommend you find a broker who will "calculate" the loan-to-value ratio under 90%! Because in terms of conditions, it currently doesn't matter whether you finance 99% or 91%. You probably have to renovate for 4k€ with your own effort or dig up the garden, right? ;-p