Offer of financial consulting - Is the interest rate okay?

Hehe... when I think that I once paid 5 point something in interest...

Finally someone speaks out. Thanks!

And yes: I wrote it recently: they calculate it tight with the motto: we'll do the rest (usually carport/garage or landscaping) "little by little from the current salary"... and at the same time an annual special repayment of 5% from the already not very generous salary is expected, so that after 20 years it's all paid off.
...
And I keep asking myself: what's the hurry? Construction money is the cheapest money you can get... Instead, a consumer loan is taken out to pay for the carport because the leftover was put into the special repayments...

Yvonne describes our plan :D We have actually slightly reduced our calculated reserve for a lower repayment rate.

I belong to the 2.5 % :)

Us too. Already used the almost full special repayment option twice 7 months after moving in. Somehow there was more money left at the end of the construction than previously thought.

Special repayments are in my opinion particularly interesting for people whose income includes a significant portion as a one-time payment (bonus ...). Everyone else rather needs the option of free rate adjustment. If, one or two years after moving in, you realize that you have been too cautious in your calculations and still have some leeway, then you simply increase the rate, done.

And to the thread starter: Whether the financing conditions are okay is not revealed by the forum, but by looking at the first and second comparison offer! On the other hand, as a reader here, I am of course very interested in what conditions are actually (!) granted today, so please continue posting diligently :-)!