Opinions on the financing proposal from the house bank desired...

Hello everyone,
my wife and I (both 34 years old) want to purchase a property.
We found the right place through acquaintances and it is supposed to cost 250,000€.
Including additional purchase costs and a buffer for small renovations, we come to a total amount of 280,000€.
We will contribute about 50,000€ of equity, so that a financing amount of 230,000€ remains.
Our house bank has now made us the following offer for financing.
Full repayment loan 50,000€ over 15 years at 1.79% - installment approx. 315€
Annuity loan 180,000€ 30 years fixed interest period at 2.38% - installment approx. 660€
The repayment of the annuity loan could be increased after 15 years to keep the installment roughly constant. Then the loan would be paid off in about 27 years.
What do you think of this?
Alternatively, a variant with 2 [Bauriesterverträgen] was offered, which is rather not an option for us.
Thank you very much for your feedback.

Looks appropriate. For 30 years of interest rate security, you pay 2.4%. That is your decision. If you want to take the risk, then take the 180k over 15 years and pay only 1.7%. Initially, that's 100 euros more repayment per month. After 15 years, the remaining debt is 100k.

Would rate the offer as quite good due to the low equity capital.