Is a combined building savings loan sensible?

We were already there, but we didn't like it at all.

We were already there, but we didn't like it at all.

What didn't you like? The staff? The offer? Money is a replaceable good, as is a loan. A contact person today is already digital tomorrow. I couldn't care less where I close. I also had one with a big mouth as an intermediary, totally unsympathetic, almost like me. But lo and behold, he brought the best offer by far. I'm from the industry, you see it clearly there.

Well, the offer was actually one of the worst and the advice was a disaster

I already have some offers on the table, which I will also show to the Sparkasse tomorrow and see if they can keep up.

I also compared loans online and Volksbank came out best, with a 10-year fixed interest rate of 1.86%
I will also make an appointment there and then see.

What monthly installment comes out with repayment and interest? Roughly estimated, the repayment amount is around €2000 per month. I then find that difficult to imagine if based on approximately half the income and one person is supposed to bear the installment alone?

Exactly, that's around €2,000, income is roughly split half and half. But it was not meant that only one income can be lived on. In addition to one income, there is also child benefit, parental allowance, and a source of income that is independent of work. And even without parental allowance, it would just about be enough.

Well, the offer was actually one of the worst and the advice was a disaster

I already have several offers on the table, I will also show them to the Sparkasse tomorrow and see if they can keep up.

I also compared loans online and a Volksbank came out best, with a 10-year fixed interest rate of 1.86%
I will make an appointment there as well and then see.

With more equity contribution, you might get below 80% loan-to-value, which will get you better conditions almost everywhere and some products will only be offered to you then. With your net income, you can quickly save for later furnishing. I find the fixed interest rate a bit tight for the amount, but I’m a scaredy-cat. Are you risk-takers?

For the loan amount, interest rates just under 2% should be achievable at 15 years right now. Especially for high earners