chand1986
2022-07-05 18:10:54
- #1
Hello everyone,
our financing has been applied for. 380k over 15 years with 4% interest as 100% financing. Remaining debt 190k if no special repayment is included in the annuity.
For the remaining debt, I wanted to take out a building savings contract, I could still get it at 1.15% interest on the building savings loan.
What worries me is that it might not be allocated when needed. According to the advisor, "no problem at all," it would be allocated from a savings amount of 50k. That would not fully cover the remaining debt yet, but that is the amount we definitely feel confident about during this time - room for improvement.
We want to have completely paid off the remaining debt with the building savings contract after the 15 years.
There are stories on the internet about building savings contracts not being allocated, which makes me somewhat anxious. Does anyone here have experience or expertise, either to advise me against it or to relieve my concern?
our financing has been applied for. 380k over 15 years with 4% interest as 100% financing. Remaining debt 190k if no special repayment is included in the annuity.
For the remaining debt, I wanted to take out a building savings contract, I could still get it at 1.15% interest on the building savings loan.
What worries me is that it might not be allocated when needed. According to the advisor, "no problem at all," it would be allocated from a savings amount of 50k. That would not fully cover the remaining debt yet, but that is the amount we definitely feel confident about during this time - room for improvement.
We want to have completely paid off the remaining debt with the building savings contract after the 15 years.
There are stories on the internet about building savings contracts not being allocated, which makes me somewhat anxious. Does anyone here have experience or expertise, either to advise me against it or to relieve my concern?