Is a construction financing advisor present?

The offer is not the best. I would obtain two more offers.

The Ing-Diba had offered us 12 months free of commitment fees back then.

The Ing-Diba offer is also for 12 months. With the pure construction time of 10 months for the house, no problem at all. However, since construction only begins in autumn, the 12 months are no longer sufficient.

Ing-Diba offered us the second worst solution of all. Raiffeisenbank not only tried a building savings contract but combined it with [Wohnriester]. I still don't know what the banker was thinking. Unfortunately, my girlfriend fell for it. She only talked to us about it after the objection period had expired. Therefore, I also recommend comparisons and looking at the costs of financing. No one can predict how interest rates will develop. However, you should plan your project ahead so that after 15 years you are not forced to sell because you can no longer manage the financing. It can actually be cheaper overall to pay commitment interest.

Which online banks are worth inquiring with? By that I mean which banks have users here had good experiences with, or which bank has most often offered the best deal.

We have handed over the search for the best conditions to credit brokers, e.g. Dr. Groß and Intershop. They can see the conditions of most banks at a glance. You don’t need to make individual appointments with each bank. Dr. Groß then specifically inquired again at the local Sparkasse, and they actually made the best offer.