My home financing 2025 is bursting against reality

We like to use informal address here in the forum...

300k with the framework data in Stuttgart currently costs just over 2.90% = a good 1,250€/month or just over 1,100€/month (1.5%/1% repayment, classic 10 year fixed).
Since I am a banker myself, I calculate with the current market interest rates (including those of the competitors).
15 years fixed costs about 1,175€/1,300€ per month.
20 years fixed costs about 1,225€/1,375€ per month.
==> numbers rounded

Of course, there are also more expensive providers. That's clear.

Which bank offers 1% repayment? Our feedback was that 40 years calculated duration is the limit. That means around 1.3% must be it.

2.9X% competitive conditions were available in mid-December. The conditions have worsened slightly and those were only for A+ new builds and for "plain vanilla" financing. If for whatever reason (e.g. variable income, private customer sector, loans over 500k or 700k) you fall out of the input mask here, you have to look elsewhere. If I am wrong, please point me to the bank that offers this, then I will apply there.

I recommend the Europace repayment calculator for the calculation (search engine!).

Which bank offers 1% repayment?

Many do for these ratios. The conditions I mentioned are current, real figures from today.

2.9X% fighting conditions were the case in mid-December.

see above – very current as of today. With 50% equity, there are still good conditions.

and that only existed for A+ new builds and for "plain vanilla" financing as well.

That is exactly what it is about right now. Buying property for 600k, half of which is equity. Plain vanilla. With A+ there would even be further discounts on the condition (e.g., ING offers -0.15% for that).

If I am mistaken, please point me to the bank that offers that, then I will present myself there.

Any broker will provide you with a detailed list of banks (we do not lend directly to customers, only through other banks). In the range – depending on the fixed interest period – for example, Commerzbank, Alte Leipziger, HypoVereinsbank, some PSD banks (but at point 3 or just above), ING is just over 3% for new builds as well. Etc.

One should also ask oneself when it comes to buying a house: What do I absolutely need/want and what is maybe nice to have, but not a must? Is an extra guest WC really necessary and does it have to be the fancy parquet? With things like that, especially in a new build, you can save quite a bit of real money. I recently read an interview on the topic with an expert from the IW. It at least made me think.

Of course, you should look at what you need, but honestly.. the guest bathroom would be pretty much the last thing I would save on, at least if you don’t exclude children (and therefore at some point friends/partners of the children are there too). My ex in-laws had only one bathroom and it was regularly problematic to organize when who can use the bathroom for what and how long.

One should also ask oneself when it comes to buying a house: What do I absolutely need/want and what is maybe nice to have, but not a must? Is an extra guest toilet really necessary and does it have to be the noble parquet flooring? With things like that, you can save quite a bit of cash, especially with a new build. I recently read an interview on the topic with an expert from IW. At least it made me think.

What is an extra guest toilet to you?

Do you really mean a single-family house (preferably ground floor + upper floor) and would you really install only one toilet in a future 4-person household? I would definitely not save on that.

There are really many things you can save on, you're right - but please not on that.

I definitely would not skimp on that.

I know, here in the forum money doesn't matter, but for many, mammon is a finite resource. I have had a bathroom in the house for 10 years and you wouldn't believe it, but it works.