I am looking for a good offer for home financing

. However, the man from Postbank said that anyone who says something like that has no idea, the minimum savings balance is not necessary at BHW!!!! I just can't believe that an experienced financing advisor from Postbank wants to cheat me so obviously.

In the conditions of the BSK contract
Paragraph 4 SECTION 2 b

Technically, it is called the valuation number that must be reached. This depends on the savings payment and the bwzfaktor. Savings payment is defined as the balance(!) that has been paid in. So there is no minimum building savings balance literally in the conditions, but defined differently... Haha funny guy. As I already said, smoke screens.. so he sells something he himself does not understand or hides many facts to make it difficult for you to compare. Stay away from that advisor. The product can possibly be correctly calculated and presented (effective interest) and be better in comparison than other solutions, especially when taking your wishes and interests into account. However, I doubt that from a quantitative perspective, i.e. for monetary reasons the solution should not be good.