Want to compare construction financing offers from experts?

30 years at 2.1% interest is definitely not bad. Also, the 30 years term is not wrong given your salary (considering a desire to have children).

What I really like is that each of you can cover the payment on your own.

where you shouldn't forget something like BU here, otherwise it gets tight

The offers sound good. But take a close look at what total effort you have with the offers (so only with interest + repayment). Usually, with a combination of [Bausparen] at the same rate, you can be finished faster. The interest rate does not always have to improve the result in the end. It depends on the provider; you might want to get a few more offers.

Thank you very much! We have really already gone through thousands of banks. I wouldn’t know who else could still be considered :D. So the conditions have been hard-fought. We don’t bring in that much equity.. The offer with the annuity loan is somewhat more expensive in terms of interest payments than the one with the building savings contract. But if we can make special repayments, we can probably offset the "extra payments" compared to the building savings model.

If we can make special repayments, we can probably offset the "overpayments" compared to the building savings model.

And if you bring in special repayments with the building saver, you finish even faster than if you make special repayments at "Annu" ;)