We are not making progress in financing

My problem with the whole matter is as follows:

The 8000 as a special repayment are already possible annually, but these 8000 are a bonus from both of our employers.

1. It can be that there will be no more bonus at some point.
2. We want to furnish the house and garden with it in the first 2 years.

The 8000 special repayment is possible, but I only want to pay it in if I believe that it is completely surplus at the moment. The special repayment should not be a prerequisite for our financing.

Do you get a lead time from the employer? I would possibly pay the lead time and maybe 200 into a building savings contract to be able to extend a part securely with interest after 10 years and then pay the special payments onto the loan. As you already say, next year gardening, the year after that, and suddenly 10 years have passed without any special repayment being made. Furthermore, I would start with at least 2% repayment in the loan agreement. If that is not possible monthly, then you should consider whether you want to build anything at all.

Do you get a prepayment from the employer? I would possibly pay the prepayment and maybe 200 into a building savings contract to be able to securely extend part after 10 years and then pay the special benefits onto the loan.

Furthermore, I would start with at least 2% repayment in the loan contract.

@b0012sm With a monthly rate of 800-900€ and a loan amount of 200,000€, both are not possible. What now?

@b0012sm
With a monthly rate of 800-900€ and a loan amount of 200,000€, neither is possible.
So what now?

How do you come to that? 200k 2.5% interest 2% repayment = 750.00 Eur rate, then you just do 150 plus advance, that also works. Although I think if it fails over 50 euros then I would rather not build it.

We have a household net income of 4000, so it won't fail because of 50 euros. I just wanted to find out if there might be other ways to finance it than what was shown to us by [Sparkasse].

As already mentioned, I find this concept very good because it is highly flexible, with the right to make special repayments in the first 10 years and afterwards you can repay everything at any time with the [Bausparer].