How would you finance €340,000? Split it?

Everything seems a bit fishy to me. Now another €680 in car loans added... Can't you add it as your net income? Otherwise, it's really difficult to assess.

What seems fishy to you about it?

And what do our net incomes have to do with the three-part financing offer from Sparkasse?

340,000€ requested

monthly repayment of 1800€ approved

340K and 1800€ and a maximum term of 30 years would be an interest rate of 4.8%?!?

With 340K and 1800 and an interest rate of 2.5%, you would be done in 20 years...

Or what do the 1800€ mean?

What seems strange to you about that?

And what do our net incomes have to do with the 3-tier financing offer from the Sparkasse?

As face already described, it depends on which term you should choose. With a tight financing (among other things, also a high share of the installment in the net), I would choose a maximum long term.

340K and 1800€ and 30 years term max would be an interest rate of 4.8%?!?

With 340K and 1800 and an interest rate of 2.5% you would be done in 20 years...

Or what do the 1800€ mean?

I believe the red bank considers an installment up to 1800 possible or acceptable.

I am not a financing expert, but I think different terms only make sense, if at all, when the loans with short terms are fully paid off within the fixed interest period.

Otherwise, you have to decide. Do I want interest rate security or do I need it because rising interest rates would financially break me
Or:
Do I want the lowest possible interest rates or can I afford to take a risk because I can afford the payments even with higher interest rates

I'm not a financing expert but I think different terms only make sense, if at all, when the short-term loans are fully paid off within the fixed interest period

No, that's not correct. By mixing, you can achieve a better average rate without taking full risk right away.

I believe the red bank considers a rate up to 1800 possible or reasonable.

Exactly, that's how it looks :)

The offers from the Sparkasse should be in the mailbox today.

And this afternoon we have an appointment at Interhyp.

Then I can put up our offers for comparison! :)