We are not making progress in financing

Calculate it for me with your 8% times on a high (total costs). also taking into account the interest costs after the term!! I guess the break even is around 4% after interest term. And now you just bet on how high the interest is after 15 years! Well, I prefer gambling in the casino and on the stock market.

I didn’t understand that now. The 8% was roughly the break even, assuming a constant total rate of €900 for 25 years. Unfortunately, the installment and the credit balance interest of the home savings contract are still missing to calculate the exact break even. If you increase the special repayment or, as you suggested, the monthly repayment (to 2%), the break even goes even higher and the home savings contract becomes even less worthwhile.

The only thing that could speak in favor of the home savings contract is if aisukei also received an advance payment from the employer. I never understood the purpose of advance payment, since neither tax nor social security-wise do any advantages arise for the employer or the employee. The employer could also just add the amount to the gross salary. Subsidies in the form of home savings bonuses or employee savings allowances probably don’t play a role with these incomes either.

So we get 40 euros per person in advance but only for retirement provision, [Bausparer] are excluded.

@ Musketier

The [Bausparer] has an interest rate of 0.5 percent. After 15 years, as you already said, there are 40,000 in the [Bausparvertrag]. With that, we finance the rest of 122,000. The interest rate then is 2.8 percent. With a monthly rate of 600 and 1000 annually, one would then pay for another 14 years. This would be the minimum, so to speak. If you choose a higher rate, you finish sooner.

I have to correct myself again. The building savings contract would be completed after 12 years and 8 months under the above-mentioned minimum conditions.

Due to the now extended term, the break even naturally decreases.

Based on your information, I come to approximately 27 years total term.
Due to the longer term compared to the 25 years, the break even naturally decreases.
According to my calculation, the break even should be at approximately 5.4%.

Assumption:
Years 1-15: €900 or €680 + €220 monthly installments and €2000 special repayment each at the end of the year
Years 16-27: €600 monthly installments and €1000 special repayment each at the end of the year
[Bausparer]: 0.5% credit interest, 2.8% loan interest, 1% closing fee
[Annuitätendarlehen] years 1-15: 3% loan interest

Conclusion:
Each additional special repayment increases the break even interest rate in favor of the [Annuitätendarlehen].
Each missed special repayment in years 1-15 results in the [Bausparer] not being able to cover the entire remaining loan.

Waiting times were not taken into account in case the [Bausparvertrag] cannot be paid out directly after 15 years.