TA loan with building saver - read a lot, yet did not find the catch.

Since the payout is not guaranteed, one basically only needs to ensure that the loan and thus the interest rate remain in effect until the allocation has taken place. A special right of termination may possibly also apply to the [Bausparer]. At least someone else wrote that here; I still need to check that for myself.

Now the case has occurred for me (deutsche Bank), that the home savings contract is only paid out 4 months after the interest rate is fixed. However, it is not a large amount and is tax-deductible with the tax office since it is a rental apartment. But if it becomes six figures that I have to finance temporarily, it can quickly become expensive or lead to even bigger problems.