Our financial situation - Your opinion?

The disadvantage is the fixed installment amount. If, for whatever reason, unforeseeable events occur (separation, child needs more attention, etc.), then the house might possibly not be financed by one person alone.

Therefore, my personal rule of thumb: Don’t set the installment too far from the possible cold rent. If that is the case, then go for it. If not, I would really reconsider a much more flexible loan.

The risk with your option is significantly higher. But it is also cheaper.

We closed our construction financing just under 2 weeks ago and ended up with a similar arrangement as you at 1.12 percent for 20 years and 0.64 percent for 10 years. Therefore, I find your offer from the Commerzbank really good.

The offers are about two months old. The one from Commerzbank is from last week. I can't assess whether there is a bank somewhere that can offer us better. We have a personal appointment at Commerzbank on Tuesday. Let's see what comes out of it... The 68k really includes everything, interest and fees. We didn't go to HVB. I can ask about that on Monday ;-)

The offers are about two months old.

Then definitely inquire again, also through intermediaries. At that time, the yield to maturity was at its peak. Since then, it has easily fallen by 0.2 again.

We were not with HVB. I can ask on Monday ;-)

We had a very good offer from them through Klein.

When did you finance?

When I read that someone got worse conditions two weeks ago, it confirms my impression of the offers.

Has anyone recently financed or requested offers and can tell me what a really good and realistic offer would be for 20 years?

I constantly receive emails from the usual brokers with 0.5% for 10 years, for example. But with a real inquiry, only standard offers come up...

Arrange a home office with your boss. Then the non-cash benefit for the commute reduces to €0. You just have to be creative.

That’s not quite correct. 100% working time is not necessarily required. I have been living that model quite well in coordination with the tax office for 12 years. It depends on how “home office” and workplace are defined.

Aside from that, with 1% private use you will always come out better than if you buy the car (I assume full-service leasing including fuel costs). But that fits better in its own thread, if desired.

A separate thread would be very welcome, in which you explain the topic a bit more in detail.
I have been working from home 4 days a week for several years, 1x per week I travel 180km to the office.
I had never really considered a company car because I assumed it wouldn’t be worthwhile due to the distance.
If there is a "trick" there, I would be very interested, the next salary discussion is definitely coming ;)

I must say, though, that I have little knowledge of the whole matter so far.