What to do with the Riester pension insurance?

So if I continue to contribute to the existing contract and then let it pay out in 15 years, I wouldn’t have these disadvantages? I would only have to pay the taxes afterwards?

I wouldn't bother with the stress of Wohn-Riester either if it isn't necessary. If you sell your house and don't buy a new one, in the Wohn-Riester universe this is considered a disqualifying withdrawal and then you have to pay back. You have a good old contract with a good guarantee, save into it again and put the children’s allowance in there...

I could of course do that. But I would rather put the 4% of the gross amount into the special repayment!

You get a total of €775 in bonuses in your contract with the 4% per year. Plus a few euros from the taxes. It's not that bad.

But I would rather take the 4% of the gross

The 4% are capped at 2100 anyway.

But if you have such a guaranteed interest rate and your wife doesn’t have one, then I would fund the one with 4%, put in the allowances from you and the children, and then look forward to the tax return next year.

Yes, okay, that already sounds good! But still, I'm missing 2100€ per year that I and the repayment could invest. And regarding the subsidy, the government doesn't just give anything away, I have to pay it back during retirement!