How do you rate the bank's financing offer?

Loan-to-value 100% :) we financed through the [Hausbank] and simply had a great advisor

Loan-to-value 100% :) we financed through the house bank and simply had a great advisor

... who waived part of his (bank) commission. Otherwise, the terms for 20 years are often the same as for 30 years – advertising slogan 30 for 20. The MHB doesn't care, they give the banks their base rates and what the bank then does with it is their problem. Surcharges/discounts depending on loan amount, number of disbursements, interest-free construction period, etc., that's something you can also play with.

It’s more or less the same at every bank.

- Why are 25,000 missing? Repayment is 2.53 and 1 year interest-free commitment period, then 0.25% for undrawn money. Yes, we wanted 10% special repayment because larger amounts will become available within the next 10 years.

See original thread:

"
Financing need therefore: 245,000

The following was offered to me by my house bank with these key data:
... over 220,000 with effective interest rate: 2.63

Therefore the question, where do the missing 25k euros come from. Or did I miss something?
KfW no issue for you? From April 1 there will also be 20-year interest offers and you can repay as much special repayment as you like.

Yes, you probably overlooked the following paragraph:

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

sorry, right... I initially read that as 2 alternatives, for 20 and for 10 years.

The following text is to be TRANSLATED COMPLETELY and is as follows: