Use building savings contract for financing or terminate it in advance

Hello. My girlfriend and I have a building savings contract together. The 20k has an interest rate of 0.1 and also costs 12 euros annually. Contract started in 2014. The 10k has an interest rate of 1 + 2% bonus interest rate. Contract started in 2008. The 10k of my girlfriend has a rate of 0.5 and is also not yet ready for allocation. I think these are not dream values and I should dissolve them and use them as equity, right?

However, I do not want to forgo the preliminary period in the future.

What other options are there? I was already told that maybe splitting a contract is possible. What would be the effects? How does that work?

If I terminate all three, could I then open a new contract and use it for the repayment of the loan? How would that work?

I would also like to have the preliminary period run through an ETF. But currently only one provider does that.

When canceling, you give away 300 euros and you save the fees annually.

With 10 or 20k (and partial amounts thereof), you won't take a fish off the plate in a real house construction. So if you're not just scraping together the last 5k to get below 80% loan-to-value, forget it.

If you can afford to save more alongside the house, keep saving.

In 5, 10, 15, 20 years, you will certainly have use for the money. Whether it's more for the garden, renovation, or the first repairs.

what do you mean by not losing lead time? The subsidy from the employer? Just take out a new building savings contract and inform the employer. I would even do something based on funds

Do you mean the closing fees with the 300€? I actually see it as those are basically already lost anyway.

How would the process work if I use the allocation-ready building savings contract? For example: I take out 100k. Do I then get a loan of 10k from the 10k building savings contract from 2008, pay that off, and then get another loan of 90k which I repay in parallel? Wouldn't it make more sense to repay a loan with the maximum repayment amount? The building savings contracts are all very low in terms of the maximum loan amount.

The building savings contracts that are not yet allocation-ready cannot be used currently anyway, right? I would rather not take out a higher loan for that and have the money just sitting in the account at the same time.

what do you mean by not losing lead time? The employer subsidy? Just take out a new building saver and inform the employer. I would even do something on a fund basis

Yes, that's what I mean. I actually don't want to take out a new one just for that, especially since building savings contracts don't really convince me anymore. Can't a current contract be split, or can't I use the lead time from the employer sensibly to repay the loan? But I have no idea how the process would work for either variant.

I also find a building savings contract on a fund basis interesting. But don't the costs eat up the advantage there? An ETF-based variant would certainly be nice. But hardly any bank offers that currently.

You can split BVS, but they become even smaller as a result. By the way, mathematically it does not matter whether you have one large loan and put money towards repayment or several loans of the same amount on which you distribute the same rate. Only psychologically it may have an impact on some people.

But I can only use the allocation-ready building savings contract for the financing, right? The others still need a few years until allocation. The two non-allocation-ready building savings contracts together contain about 6k. We actually need them to reach an equity ratio of 20% with the rest of the savings.