Residential Riester for Home Purchase Financing - Who Has Experience?

OFF TOPIC

It can't be that bad. There are also insurance rates for people in the public service and their relatives. I also wonder why they get by far better rates.

But they are not called "civil servant rates." Yes, colloquially they are called that, but the fact is that on the questionnaire/checklist you simply check the corresponding occupational group so that the information flows into the assessment. The assessment: Yes, it is true that insurance companies (not all, but many... fewer are doing so) believe that employees in the public service behave more responsibly towards their environment, for example due to their training (legal system). In their role (representing the state, federal state, or municipality) they have too much to lose (namely their job), if it were otherwise

Also off-topic:

They are not called civil servant tariffs, but it is a "discount for public service employees," which amounts to up to 30% in car insurance, for example.

That makes me wonder
Does a civil servant or their relatives have fewer accidents in road traffic just because they work in the public service and not in the private sector?
So should civil servant jokes actually be based on facts? Civil servants are always well-rested when they come home from work.

End of off-topic

Back to the civil servant loan
Yes, there are special civil servant loans. Just google it. Whether they also exist for financing houses, I don’t know.

Also off-topic as well:

They are not called civil servant rates, but it is a "discount for public service employees," which, for example, can amount to up to 30% on car insurance.

What are you dreaming about at night? It used to be 10%, now it is often only 5%... my last insurance (don’t ask me which one that was), didn’t have that anymore.

That makes me wonder
Do a civil servant or their relatives cause fewer accidents in road traffic just because they work in the public sector and not in the private economy?

Relatives are excluded. And I already gave this answer in the previous response:
"... that employees of the public service behave more responsibly towards their environment, for example due to their training (legal system). In their function (representation of the state, federal state, or municipality) they have too much to lose (namely their job), otherwise it would be different."
That means ideally: a public service employee thinks three times before doing something!
That probably also answers the question below

So should civil servant jokes actually be based on facts? Civil servants are always well-rested when they come from work.

End of OT
Back to the civil servant loan
Yes, there are special civil servant loans. Just google it. Whether they also exist for financing houses, I don’t know.

You can google anything... whether it officially exists is another matter. If I were an insurer, I would also use the keyword civil servant loan... they are good customers

But now: I also wrote above that this is how insurers see it, whether it is true, everyone must form their own opinion.

And NO, I am not a civil servant! But I do work with them

Relatives are excluded.

But not second and third vehicles.
And now don't say that's not possible. The cars of my siblings are registered as second and third vehicles exactly in that constellation.

I don't know the exact discount percentages. I found the 10-30% on the internet. On closer inspection, however, it seems to be an older website.
I only know that switching (taking over discount rating) never paid off for my siblings in the last 12 years, since the public service discount already made a significant difference.

Whether an average civil servant/employee in the public service used to get 10% to 30% and today 5% better rates than an average employee in the private sector just because he is a civil servant/employee in the public service, I still dare to doubt. I believe the risk for an employee in the private sector of losing the job, e.g. because of giving up the driver's license, is at least as high as for a civil servant.

If I were an insurer, I would also use the buzzword civil servant loan... they're good customers

I agree with you. That has to do with the risk classification. Default is simply unlikely.
Although it seems that civil servants get longer-term consumer loans than "normal citizens".

Whether an average civil servant/employee in the public sector used to be 10% to 30% better off and today 5% better off than an average employee in the private sector, just because they are a civil servant/employee in the public sector, I still dare to doubt. I believe the risk of losing the job as an employee in the private sector, e.g. because of having the driver's license revoked, is at least as high as for a civil servant.

"Better," what is better? I wrote "more responsible," that is a difference! It’s also not about driving a car. Let’s take household or building insurance, so we stay on topic here:

Burglary protection, for example, is taken very seriously by the police; no one would leave the patio door open when briefly going to the basement. The tax officer might check the accuracy of the craftsmen by 150% instead of 90%. My stove pipe is swept twice a year; additionally, we clean the pipe inside, whereas someone else might want to save on the chimney sweep and only let the chimney sweep come once a year. Already experienced all that!

The risk for a civil servant losing their job: they have no training for the private sector. Disciplinary procedure -> dismissal -> Hartz4 or the bullet, because the pension is a tricky issue... so it could be that the retirement provision disappears. As a commercial employee, you have more opportunities for the future.

But honestly: somewhere, fortunately, we humans are all the same, maybe not in insurance, but just humanly!

So, but now that’s enough