Real estate purchase three financing proposals

Now to the loan. The bank advisor said that a few years before the allocation, you might need to increase the savings rate to definitely receive the points at that time. Then the risk would not be high. But I have to say that I couldn’t sleep all night and the risk is too high for me. I just need security. Unfortunately, the full repayment loan at 2.8% is almost 50,000 euros more expensive overall than the other offers.

It certainly also depends a lot on your personal sense of security and financial situation, but I would already calculate it. If the building savings contract is not ready for allocation after 13 years, you would have to bridge finance at the then current conditions. If the new interest rate is 4%, you would pay 1,127€ monthly, at 6% 1,694€. In the latter case, for one year of bridge financing, 13,600€ extra.

If that seems manageable for you in 13 years, I wouldn’t accept 50,000€ more costs out of vague fear. With that, you could easily bridge finance for 3.5 years.

Apart from that, you could also put the estimated 13,600€ into the building savings contract beforehand (if that is possible) and thereby accelerate the allocation.

As I said—personal sense of security naturally wins out in case of doubt.

Typical civil servant sleep disorder. Can be made up during duty.

Typical civil servant sleep disorder. Can be made up during duty.

I am still on parental leave... so there is no catching up on sleep. I will postpone it to January then

You have definitely earned that after the [Babystress].