Repayment deferral loan vs. annuity loan

I had the building block offered to me again without [Riester]. It costs almost €2,500 more in interest.

I will probably still decide on the building savings contract, as after 20 years the installment for the building savings contract is only €333 and not over €750 like with the annuity loan. If I then also increase to €750 with the building savings contract, it saves almost €4,000 in interest and shortens the term by 2 years.

Thanks for the food for thought against [Riester], I believe it would have caught up with me later. Now I have peace of mind and ultimately hardly any higher costs.

As said, I am especially cautious with such subsidized gifts.