You're welcome. The important thing is that you understand the financing system being offered to you, the resulting costs, and that you feel comfortable in the end. For options consisting of 100% or maybe 90% TA loans, I can hardly imagine that.
Why, well... maximum commission... or something like that...
There is nothing wrong with a building society savings contract as part-financing (max 1/3 of the total costs) or even as a subordinated TA loan behind a normal construction financing. Sometimes Riester is even sensible with 2 or more already existing children, but a proper integration of it leads to double work and only a fraction of the maximum possible commission.
Every seller/agent/advisor who recommends a complete building society contract financing should get a slap or (because it is not forbidden) alternatively provide a plausible and comprehensible justification. And it usually ends right at that last point.
We pay a loan for 2 years with 0.7% interest = 400€ Plus 300€ into a building savings plan After these two years there remains an outstanding debt of about 140,000€ Then we pay for 10 years with an interest rate of 1.45% = 400€ Plus 300€ building savings plan.
what’s with all the building savings plan nonsense = there are currently hefty loans under 2% effective for 25 years. depending on the rate, set it for 15 or 20 years (or also 25) and put everything under one hat. if you want to finish somehow faster with special payments or skip them and just pay the amount throughout the term and that’s it. no games in a few years and planning certainty until the end. building savings plan games are usually only for buyers who are not really solvent (e.g. divorced men who pay for 2-3 children and don’t get over minimum wage). with your equity share, any bank will gladly take you. try going to another one. ps: your real estate transfer tax is ridiculously low. with us, 10,000 bucks would have been lost to the state alone—
Don't talk nonsense - that has nothing to do with creditworthiness. And there are only "fat" loans for under 2% in the long term (over 25 years) if two things are ideal: first-class income and the lowest loan-to-value ratio.
And the latter is rarely achieved anymore through equity given the incredibly high land and construction prices nowadays...