How do you rate the bank's financing offer?

Following key data:
Construction costs according to architect: 305,000,-
Additional construction costs: 10,000,-
We have a plot of land that is paid off: 50,000,-
Additional equity that we want to contribute: 40,000,-
Personal contribution: 30,000,-

Financing requirement thus: 245,000,-

The following was offered to me by my house bank with these key data:
Contract No. 1 through the partner "Münchner Hypothekenversicherung": interest fixed for 20 years - 10% special repayment from the 5th year (before that 5%) over 220,000,- with effective interest rate: 2.63

Contract No. 2 through the house bank: interest fixed for 10 years - 10% special repayment over 25,000,- with effective interest rate: 1.45

What do you think of this offer (taking into account the current time 01/2016)?

I think that there are better conditions. For example, take a look at xxx.vergleich.de or xxx.accedo.de or xxx.immobilienfinanzierung.de/

The values don’t exactly blow me away either. What about the other key figures? Repayment, interest-free availability?

Where do the missing 25k euros come from? Did you explicitly insist on a high special repayment?

So we also closed 210,000 TEUR with Münchner Hypo 2 months ago: 30 years fixed interest (for safety), 2.4% effective interest rate, special repayments anytime up to 10%/year from the beginning

30000 own contributions: what is that supposed to include? How do you want to manage that?

- Why are 25,000 missing? Repayment is 2.53 and 1 year interest-free provision, after that 0.25% for undrawn money. Yes, we wanted 10% special repayment since larger amounts will be available within the next 10 years.

- What is your loan-to-value ratio? Under 60%? 2.4% for 30 years sounds very good! Did you conclude directly with the Munich lender or also through the house bank?

- That is what this is already about in another thread of mine.