Survey: Which of you finances with TA loans?

As I said, for us the drawback of the higher total financing costs was very manageable over the long term with significantly higher liquidity per month.

I don't quite understand that yet. How can something be more expensive, but you pay less monthly? Then the term can only be different. But that is like comparing apples to oranges. You don't have a constant in a calculation to really be able to compare. As a rule, you compare the different loans with the same monthly rate.

Of course I have a constant - what is finally shown at the bottom right as the total sum. Yes, the term is 2 years longer with the TA loan!

Besides, I pay interest at a fixed rate for almost 15 years and therefore have no annuity - this is often seen as negative and that is why this option was originally completely ruled out for us.

Well, the situation changes quickly

Of course I have a constant - which is the total sum shown at the bottom right in the end. Yes, the term is 2 years longer with the TA loan!

That is not a constant. That’s exactly where you talk about €10,000 additional costs with the TA loan. Have you recalculated the annuity loan with a lower initial repayment to get an identical monthly rate to the TA loan?

Please read everything - there were no acceptable A-loans in our loan-to-value ratio.

Evening everyone,

yesterday a potential TA loan was also mentioned at our bank. With regard to the fact that we have shared a current home savings contract and now want to increase one of them. Since the first cornerstone is only supposed to be laid with us in 2018, the advisor said: "currently we are securing the good conditions, how we then incorporate this, whether as a TA or not at all, we will see then."

We have an annuity loan with a 15-year term and special repayments.

Riester did not convince us. A TA loan was also not an option for us due to the higher costs.