How can this be? Construction project house + land

For someone seeking help here, you are quite unfriendly.

A different rate with the same financing amount arises from different interest and repayment rates. With the same term or fixed interest period, the remaining debt is then also higher.

And you haven't even formulated the simple question.

Join provider B and be happy. The rate is lower there, so you save hundreds of euros month after month. Then you can go out to eat nicely every week and laugh at everyone who is so stupid as to pay the bank €1,500 a month.

The Chiquita banana (money) costs 1€ at provider A, the same banana from the same tree, same size, same taste costs only 0.85 cents at provider B!

That's exactly right! I always wonder who prefers to pay more for the same brand at Edeka than, for example, at Lidl!

Just give a few more details about the financing and then you'll see that it's not as simple as with bananas...

If you really want meaningful help here, then please be a bit more polite. I actually took the trouble to look more closely at the numbers. You are not only comparing different types of bananas here, but actually bananas with cucumbers. The parameters are all completely different.

The only thing that is the same is the loan amount. You have a different interest rate, while the question is whether the fixed interest period is the same or not (Yes, this is relevant!), you have different repayments and accordingly different remaining debts and terms. And you have a different rate. So how are you supposed to compare this? And if you don’t want to give us more detailed information, then no one can help you here.

And again about the questions: They are relevant, all of them. Ok, if you don’t care whether the interest rates are good or not, then strike question 1. But without answering the other questions, you won’t get anywhere here. And I don’t think anyone of the “Cyber Finanzberater” (I didn’t even know such a thing exists and that I belong to it) will make the effort to calculate everything here in detail, which you probably have black and white on a piece of paper and would only have to copy.

The Edeka banana is simply picked by a licensed picker

It gets interesting because the loan amount was split for both providers. The statement: "on average" at least suggests that. In the best case, there were also different terms.

I assume that the OP, for simplicity's sake, skipped tedious calculations like net present value determination when calculating these values and, just to be safe, divided all interest by the number of all partial loans to arrive at the above values.

Maybe we can use approximation and probability calculation to figure out which provider is better.

But back to the topic and its seriousness:

Let's be convinced by the OP's simplicity and assume that both providers report the same residual debt with the same fixed interest period and term. And since the OP has at least as little number sense as we do here (which apparently is already close to zero), I cautiously opened a thread in a university forum and asked which number is smaller.
After much back and forth, they concluded that 1194.70 is indeed smaller than 1398.14.
The decimal places caused confusion in the first rounds of discussion. Because the 70 behind the 1194 is actually greater than the 11 behind the 1398. So it was not an easy task.

I then entered this result into NASA's supercomputer, and after some effort, they were able to assign the smaller number (i.e., 1194.70) back to "Provider B."

So Provider B definitely has to be the better one. According to current knowledge, the other one is too expensive.