How to cancel Wohn-Riester for a home or how to proceed?

ok. but what use is it to me if I still have the wohnförderkonto with vacke?

Huh? Well, you don’t have to pay back the tax savings from the last X years. And you don’t have to pay back the Riester subsidy. It’s a difference of several thousand euros, I would estimate. The wohnförderkonto is not an unfair act of discrimination. It is much more an attempt at a fair balance. The taxes you have to pay in old age for your contributions weren’t paid in your youth (during the accumulation phase). You (hopefully) declared your contract in your tax return and thereby reduced your taxable income -> got money back. In old age, you then have to tax it, assuming that a) you have a lower tax rate then and accordingly pay less b) you have the option to pay off the thing all at once with a 30% discount. That’s the theory. Again, it shows what a failure the Wohn-Riester product was. I bet that of the people who took one out, not even 1% really understood it (or have forgotten how it works after all these years).

So I also had a Wohnriester contract, which I took out quite young because the bank recommended it to me without me fully understanding what kind of construct it actually is. The contract then weighed heavily on me after some time, but I didn't see any sensible way to simply cancel it. When we then bought the house, I was able to have the amount paid out and had to confirm that I would use it for an owner-occupied property. The money then simply became equity.

I belong to it :) as said, the wohnriester makes no sense for us

The taxes you have to pay in old age for your contributions made were not paid in your younger years (during the accumulation phase). You have (hopefully) declared your contract in the tax return and thereby reduced your taxable income -> received money back.

Where in the tax return should I have entered this and with what value?

The taxes you have to pay in old age for your contributions you did not pay when you were young (during the accumulation phase). You have (hopefully) declared your contract in the tax return and thereby reduced your taxable income -> got money back. where in the tax return should I have entered that and with which value?

Anlage AV Sonderausgaben. But I believe the tax office carries out a favorable comparison and offsets it against the allowances.

The taxes you have to pay in old age for your contributions were not paid by you in your younger years (during the accumulation phase). You (hopefully) declared your contract in your tax return and thereby reduced your taxable income -> got money back.

Where in the tax return should I have entered that and with what value?

In the retirement savings contracts. Have you never wondered why the building society issues you an annual certificate of your contributions? Mine even stated that it is for tax purposes. I believe the amounts were even automatically transmitted to the tax office. Have you really never declared that? Have you already filed for previous years or not yet? Maybe you can still catch up for a few years if you don’t yet have any tax assessments. But I would definitely get tax advice for that. There’s quite a lot of money involved.