Tips on credit options

Why aren't 20 years of fixed interest enough for you? On the one hand, you get better interest rates this way, and after 20 years the remaining debt should be manageable.

We took a 10-year loan with an attached [Bausparer]. This way, over 26 years we have an average interest rate of 1.98 (I believe). After that, our loan is paid off. For that, we just have a slightly higher monthly payment.

The Sparkasse has now proposed the following.

I actually find the necessary special payment of 3500€ per year into the building savings contract to be annoying.

How am I supposed to understand this now?

Mr. B. often creates new accounts because he was banned here for advertising. He doesn't seem to be the most reputable seller based on how he behaves here, so be careful.

Mr. B. often creates new accounts because he was banned here for advertising. To me, he doesn't seem like the most reputable seller based on how he presents himself here, so be careful.

As a former moderator, a few words on this.
Mr. Buhmann was banned because advertising is not allowed in this forum and he did not adhere to that. Anyone who wants to advertise can do so for a fee through the admin. Whether Mr. Buhmann is capable/incapable, reputable/unreputable has nothing to do with his ban.

As far as I have read in the other forum, there is already contact with Mr. Buhmann, so that GinTonic can form his own impression of him.

It would be interesting to read Mr. Buhmann’s counteroffer here.

To finally put an end to this whole off-topic subject here... I am not Mr. B., I am a woman. So no worries

: Are the costs such as the premium and the insurance included in the effective interest rate for the building savings contract?

And has the Sparkasse ever told you the overall effective interest rate for the entire construct?