Is a funding framework of 520,000 realistic?

Now we have obtained several offers from different banks:

Bank 1:

Component 1: 220,000.00 EUR - 15 years - 2.3 %;
Component 2: 71,200.00 EUR - 10 years - 1.85 %;
KFW124: 50,000.00 EUR - 10 years - 1.75%
KfW(70)153: 50,000.00 EUR - 10 years - 1.4%
Mixed interest rate (effective) of all financing components: 2.05%

Additional agreement for loans from a German credit institution
The non-utilization of loan parts is possible for new buildings up to an amount of 25,000.00 EUR against a fee of 1% on the non-utilized loan part. During the fixed interest period, the annual repayment rate can be changed twice free of charge between 1% and 10% (in 0.25% increments).

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Bank 2

Component 1: 220,000.00 EUR - 15 years - 1.99 %;
Component 2: 71,200.00 EUR - 10 years - 1.65 %;
KfW124: 50,000.00 EUR - 10 years - 1.75%
KfW(70)153: 50,000.00 EUR - 10 years - 1.4%
Mixed interest rate (effective) of all financing components: 1.84%

Additional agreement for loans from a German credit institution:
The repayment rate can be adjusted three times free of charge during the fixed interest period for tranches without quick/full repayment between 2% and 5%. A loan contract is only possible in connection with membership in the financing partner (one-time fee of 52.00 euros per borrower). In addition, a free current account must be opened with the lender (clearing account) upon conclusion of the contract. The financing partner will perform a free interior or exterior inspection.

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Bank 3

Component 1: 215,000.00 EUR - 15 years - 2.17 %;
Component 2: 80,000.00 EUR - 10 years - 1.74 %;
KfW124: 50,000.00 EUR - 10 years - 1.75%
KfW(70)153: 50,000.00 EUR - 10 years - 1.4%
Mixed interest rate (effective) of all financing components: 1.95%

For the property valuation, an exterior and interior inspection by an appraiser from the financing partner is required for the collateral object. The repayment rate can be changed twice free of charge within the fixed interest period in a corridor of 1-5%.

The second offer is already very good; however, I do not know what to make of this membership (cooperative bank). Also, I have to open a current account there...

Now we have obtained several offers from different banks:

Bank 1:

Component 1: 220,000.00 EUR - 15 years - 2.3 %;
Component 2: 71,200.00 EUR - 10 years - 1.85 %;
KfW124: 50,000.00 EUR - 10 years - 1.75%
KfW(70)153: 50,000.00 EUR - 10 years - 1.4%
Mixed interest rate (effective) of all financing components: 2.05%

Additional agreement for loans from a German credit institution
The non-acceptance of loan parts is possible for new buildings up to an amount of 25,000.00 EUR against a fee of 1% on the non-accepted loan part. During the fixed interest period, the annual repayment rate can be changed twice free of charge between 1% and 10% (in 0.25% steps).

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Bank 2

Component 1: 220,000.00 EUR - 15 years - 1.99 %;
Component 2: 71,200.00 EUR - 10 years - 1.65 %;
KfW124: 50,000.00 EUR - 10 years - 1.75%
KfW(70)153: 50,000.00 EUR - 10 years - 1.4%
Mixed interest rate (effective) of all financing components: 1.84%

Additional agreement for loans from a German credit institution:
The repayment rate can be adjusted three times free of charge between 2% and 5% during the fixed interest period for tranches without quick/full repayment. A loan contract is only possible in connection with a membership at the financing partner (one-time amount of 52.00 EUR per borrower). In addition, a free current account must be opened with the lender (clearing account) upon contract conclusion. A free internal or external inspection will be carried out by the financing partner.

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Bank 3

Component 1: 215,000.00 EUR - 15 years - 2.17 %;
Component 2: 80,000.00 EUR - 10 years - 1.74 %;
KfW124: 50,000.00 EUR - 10 years - 1.75%
KfW(70)153: 50,000.00 EUR - 10 years - 1.4%
Mixed interest rate (effective) of all financing components: 1.95%

For the property valuation, an external and internal inspection by an appraiser from the financing partner is required for the collateral property. The repayment rate can be changed twice free of charge within the fixed interest period within a corridor of 1-5%.

The second offer is already very good, but I don’t know what to make of this membership (cooperative bank). Also, I have to open a current account there...

Membership is good! It provides a return of 4-7% on the cooperative share. There is no safer bank than a cooperative in Germany.

I am also a Volksbank member, it is nothing bad

Sure, the others just can't keep up with the interest. Is the mortgage also handled through the bank?

The 3rd bank is Sparda Bank West. When I read the reports / experiences, the service and advice are apparently very poor.

Sure, the others just can't keep up with the interest.
Is the construction financing also through the bank?

Nope, my construction financing bank is not supposed to see my checking account...