How can this be? Construction project house + land

Hello TE!

I don't know what all previous posters do professionally, but I am a Cyberbankkaufmann, Cybersparkassenfachwirt and Cyberbetriebswirt and simply agree with the predecessors in general.

1) Be more friendly!
2) Don't take it personally!
3) Various information is missing, all of which has already been mentioned. Therefore, I will spare myself listing them again as a repetition.

Please revise...

Who can explain this to me!

I have two financing offers: total amount in both 340,000

Provider A: 1398.14
Provider B: 1194.70

I’m not a finance expert, maybe you can help me

Haha very funny. Cyber financial advisors who are mistakenly so convinced of their knowledge that they are not smart enough to read a very simple question.

The points raised are so irrelevant to answering my question!!!!

To be honest, this whole thing is too stupid for me.
There are actually some people here in the forum who deal with these matters professionally – you can believe me on that.
They tell you that the information you’re sharing here is not enough for a serious and proper answer.

To put it with an example (the numbers are made up):
Loan amount: 340,000
Provider 1: interest rate 2.407% repayment 3.00% = high installment = done repaying the loan after about 23 years
Provider 2: interest rate 2.12% repayment 1.00% = low installment = you’re still paying off your loan after more than 40 years

Not yet considered here is that different fixed interest periods may lead to different interest rate risks, which in turn could result in a different (higher) installment after the fixed interest period.

These points are only some components that can influence your monthly burden.

I hope you finally understand why the “cyber financial advisors mistakenly convinced of their knowledge” here ask you about points that you consider irrelevant – because they are more than relevant.
One last thing maybe to conclude: the “cyber financial advisors” writing here (I could slowly get used to the term) give their advice here for free and sacrifice their free time. Therefore, it’s hard for us to understand when someone who writes themselves that they are no finance expert shows complete resistance to advice and doesn’t even try to work result-oriented.

If you have read up to this point – I’m out now, because I’m building a house myself and my free time is already too limited. But the advice of a “cyber financial advisor mistakenly convinced of their knowledge” is not interesting to you anyway.

Since I also belong to the cyber financial advisors, I can only wholeheartedly agree with my predecessors (and partly colleagues).

1. With the information you provided, it is not possible to answer your questions in a serious manner.

2. Quite unfriendly formulations do not necessarily contribute to people sacrificing their free time to give you answers that obviously do not suit you.

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!

Just one more thing:

Anyone so convinced of their intelligence should at least explain to me, the dumb cyber financial advisor:

- What is a "banana (money)?

- How can one purchase the same banana from different providers?

- What is a "same size"?

Don't feed the troll.

Best regards
Dirk Grafe

Let him pay with his bananas. This week at Edeka for 99 cents!

My respect to everyone. I would not have given my time for it.