Property appraisal by the bank

The rest we want to take out as a private loan, where we plan to pay over 7 years. That way we have a shorter term and a slightly lower rate. I did the math: that way we save about 50,000 euros.

Well, I'm curious about the interest rate on the private loan.

this combo building financing / Kfw / private loan is something the DSL Bank likes to push on people. Understandable because they earn more on the interest.

However, these are max 100% financings of the purchase price. DSL says well if we do 5% as a private loan then you get a better loan interest rate for the main financing and pay back the private loan fixed.

It is in human nature that the private loan is not actually paid back fixed :)