Is the financing offer okay like this?

The home loan is a construct made up of payment deferrals combined with a building savings plan. It is not the building savings plan itself. Nothing detailed about this is to be read here yet.

The concept is terrible. The conditions are poor and in the case of the home loan at least incomplete. The builder is not good with finances and is supposed to sign such a construct... I would kick out the advisor; he is acting completely against the customer's interests.
Keep it simple and stupid.

The home loan is a construct consisting of payment holiday combined with a home savings contract. It is not the home savings contract itself. Nothing detailed has been said about that here yet.

The concept is terrible. The conditions are bad and in the case of the home loan at least incomplete. The builder is not good with finances and is supposed to sign such a construct... I would throw out the advisor, he is acting completely against the customer’s interests. Keep it simple and stupid.

So a payment holiday... oh man.

534K€ loan, 1900€ installment, 20 years fixed at 2.0% results in an outstanding debt of 236K€. Calculated term 31 years and 9 months. Occasionally some special repayments and the thing is done in under 30 years. All good.

Now I already sound like the B-male :p.

:-):-):-)

Repayment deferrals with combination building savings contract. It is not the building savings contract itself. There is nothing detailed about it here yet.

However, the monthly amount for the TA component "home loan" is €380 or €300. Classic DB combination product. What is still open is how it will proceed in the loan phase (i.e., whether interest + repayment will possibly then be higher or equal to the TA interest + savings amount). From the savings amount, it comes down to FI2 (because only slightly more than 30% is saved in 13.9 years); and that has a nominal interest rate of 2.35% in the loan phase.

Most likely missing here is also the explanation from the financial advisor that the overall effective interest rate is already higher than the TA interest rate + building savings interest rate.

Also to be noted is that for the two non-TA components, hefty commitment interest is already due after 6 months. Absolutely unsuitable for a new build. The loan-to-value ratio should be around 86% (I calculated without a broker). In this constellation, for example, the Spardabank offers an interest rate of just under 1.8% for a 15-year fixed interest period. With 2% repayment, you then come to about €1620 monthly payment, with 3% about €2050. 12 months without commitment interest, thereafter 2.4% p.a. Your offer is simply crap.