Is the financing offer okay like this?

I study photography. Are you self-employed?

You can see the loan amount and the monthly payment. From this, the annuity can be calculated without a doubt. The terms of individual loan components are irrelevant for this. You are hanging on heavily to the low repayment of the 15Y charge ("40 years term..."), which is simply wrong. Overall, the annuity is 4.4% and this will result in an initial repayment of >2.2%. I see nothing wrong with that.

You can see the loan amount and the monthly installment. From this, the annuity can be calculated without a doubt. The condition of individual loan components is irrelevant for this.

You are really hung up on the low repayment of the 15-year tranche ("40 years term..."), which is simply wrong. Overall, the annuity is 4.4%, and this will result in an initial repayment of >2.2%. I see nothing objectionable about that

I don't agree with you!
- Repayment 1.514% at 10 years.
- Repayment 2.659% at 15 years.
- Interest only for the next 13 years with the building society contract

The information about the building savings contract is missing. Where do you get this from? We only know the amount, term, and installment. Just because a building savings contract is not repaid from day 1 but instead saved, the money is not gone but set aside for the purpose of repayment.

It remains: Annuity 4.4%. Nothing objectionable. If anything, the products used are poor, but the loan volume fits the monthly installment. I will put it differently again: He applies 4.4% of the loan volume annually to meet the obligations from the loan. If he were to do this with an annuity loan, he would have an initial repayment of >2.2%.

No matter what the numbers are. The original poster must understand the concept and feel comfortable with the rate for the next decades. If that is the case, then that's great :)

: This product "Wohndarlehen" must be a building society saver from DB.

For me personally, the amount is just too high! I took out exactly 100k€ less, with almost identical net income. In my case, the children are already in 1st grade or kindergarten contribution-free. The wife is working again, etc., and immediately. Overall, simply a better, more manageable and apparently lower-risk starting position.

Apart from the interest,

~1900 € installment + ~400 € additional costs = 2300 €

5800 € salary - 2300 € house = 3500 €

I think you can quite reasonably live on 3500 €.

What would actually be interesting here is how the salary is distributed and whether a child is present or planned.