Old home savings contract - what should you do with it?

I have forgotten thirdly... 3. I withdraw the balance of the [zuteilungsreifen Bausparvertrages] without taking out the loan.

I have credibly demonstrated the residential use in my contract, whose interest rate was too high for me and which I therefore drew down without a loan, using copies of invoices from the BU and did not lose any premiums. Karsten

hello,

do you even get the wohnungbauprämie? isn't it income-dependent? I only received it during training age...

Our bank would offer us an interest rate of 1.8% for a 20-year fixed interest period + 5% special repayment per year, 3% repayment, and a loan of 380,000 euros.

Receive 1.5% credit interest

In my opinion, it would be wise not to continue saving into the building savings contract, but rather to repay the loan. The debit interest rate there is 1.8%, which is higher than the credit interest in the building savings contract.

In my opinion, it would be wise not to continue paying into the building savings contract, but rather to repay the loan. The debit interest rate there is 1.8 %, which is higher than the credit interest in the building savings contract.

Don't forget the bonus interest if you don't take the loan. You can easily get 1-2 % on TOP retroactively.

I have been looking a bit into the payout of the balance of the mature building savings contract and just found the following information on Google:

"Payout of the building savings balance

Sometimes private plans have changed so that there is no longer a desire for a construction project. In this case, the immediate transfer of the building savings balance including the interest earnings takes place. Some building societies also add a bonus for waiving the loan. However, you will have to forgo any housing-related bonuses in this case."

Unfortunately, to me, this sounds like the housing bonus would then be lost.
At the beginning of the long-running building savings contract, there were a few years in which I could apply for this.

Actually, I would of course like to keep it... Is there maybe a trick so that the housing bonus does not expire when the balance is paid out? For one user here, that was the case. I could imagine that this might be related to whether the balance is used for housing purposes or not. My building savings contract is so old that this purpose designation did not exist back then.

Unfortunately, I still have so many ????? :) Please give me a little push. I would be grateful to you.