Real estate financing through Schwäbisch Hall Fuchs Wohnbau

But then you don't have the long fixed interest rate, do you?

The 17 or at least 15 years fixed interest rate is available "everywhere". In addition, concluding a suitable [Bausparvertrag] is not prohibited. It then offers interest rate security for the remaining debt if desired.

Hello, I have another question.

I concluded a building savings contract with Schwaebisch Hall in 2007 (account interest 1%) for €20,000. It is now ready for allocation, but so far I have waived the loan. The bank advisor does not want to include this in a financing either, as the loan interest rates are at 4%. He would only include the paid-in balance as equity in the financing.

What exactly is the loyalty bonus (corresponds to 1%) at Schwaebisch Hall?

If I claim the loyalty bonus, will I then receive 2% account interest every year from now on, or does this only apply retrospectively? Otherwise, I could still pay in €7,000 now and would then receive 2% interest on a total of €17,000. Given current interest rates, that is certainly okay.

Or is it advisable to increase the contract, thereby receiving the current tariff with about 3% loan interest, but only 0.25% account interest. I definitely want to purchase a property in the next few years.

Best regards