Repay savings or save? + Secure interest rate

Good evening,

we have now decided on a lender and fixed the interest rate for ten years.
A financial advisor and a bank employee advised us to simultaneously take out an independent [Bausparvertrag], which we can contribute to as we wish.
The advantage would be that we could secure the low interest rate.

What do you think about that? Shouldn't you possibly even wait until the [Bausparvertrag] becomes allocable?

Of course, we also want to make as many special repayments as possible every year, especially at the beginning of the loan term.
But a certain amount must also be saved on the [Bausparvertrag].

Maybe someone here has done something similar or knows more about it.

Best regards

Calculate for both variants how much interest you pay over the entire term plus the fees incurred with the [Bausparvertrag]. What goes into the special repayments in the first variant flows into the [Bausparer] in the second variant. Also consider any tax effects (if applicable). Then you will know the answer.

Mathematically, the special repayment would definitely be worthwhile. However, after ten years we still have almost 100,000 outstanding debt and the fixed interest period ends. Through a [Bausparvertrag] we could secure ourselves and continue financing with the [Bausparvertrag] in the event of significantly increased interest rates.

In addition to a full repayment loan (complete repayment of the annuity loan within the fixed interest period), the option with a repayment home savings contract is a way to have complete interest and cost security. I would not simply save a home savings contract "loosely" on the side. Rather, I would have it calculated exactly how the contract must be saved concretely (it can also be a combination of monthly installments and special savings installments) so that it is ready for allocation exactly at the end of the fixed interest period and then redeems the remaining debt of the annuity loan.

I would normally prioritize any special repayment over a parallel savings.

And how about a longer fixed interest period right away?