What financing is suitable for new construction in 2018?

But the comparison is already an art, because you not only have to compare the total interest paid. But also the opportunity costs of different equity capital use at the beginning and of different ongoing repayment amounts. Of course, you also have to take into account different interest rates. That is not quite trivial. And before you rush off because of financing, you should also try to optimize the [Schufa] a bit.

If offer 2 from Interhyp is correct, go for it, those are extremely above-average conditions. I come to at best 2.24% with the numbers for a 20-year term, maybe he also calculated 15 years for you or a portion with the KfW with a shorter fixed interest period. Always have the total costs calculated until the end of the fixed interest period, then the comparison is not difficult.

That was the personal area where you could calculate your own conditions. As I have learned, it was a full repayment loan, although I had selected a fixed rate... unfortunately, their technology does not seem to be correct in this respect from the customer's point of view. Accordingly, the offer does not exist in this form, it almost seemed too good to be true.

I find the mix with building savings already quite interesting, but not quite as transparent as a classic annuity loan. Therefore, I am currently struggling with it. In my opinion, even calculating the costs is not quite so easy.

Keep it simple and stupid.

That variant 1 is out doesn't need an Excel wallpaper, you can see that anyway.

The condition for 80% over 20 years is also okay, maybe you can still get close to 2% or barely with a 1 in front. Talk to HVB, Allianz, Commerzbank.

How should I imagine the optimization of the Schufa? (Apart from the fact that we don't need that. But I'm still interested)

How am I supposed to imagine the optimization of the Schufa? (Apart from the fact that we don't need it. But I'm still interested)

Not needing it – what kind of statement is that? I think everyone who wants a larger financing should give it some thought. But since you don't need it, we don't have to go into it any further.

Aha. So you yourself have no idea what is meant by "optimization of the Schufa." Why don't we need that? Well, I wouldn't know what there is to optimize. The self-disclosure shows a score* of almost 100%. * I am aware that this score is different from the one banks receive