Which bank to choose for home financing?

Money is interchangeable, but the quality of advice is not.

Good advice used with cheap conclusion only works to a limited extent. However, there is good advice with market-appropriate, fair conditions for all parties involved.

But this depends less on the bank and much more on the advisor.

Well, in the end it’s the condition and whether you "understand" the financing that decides. One should avoid those building savings contracts, Riester and life insurance offers that one doesn’t understand.

The best option is an annuity loan with special repayment rights. What use is the best advisor who won’t even be there after 3 years.

Get rid of it

Interhyp, Dr. Klein and the house bank request. For us, it became the house bank through Dr. Klein.

If a consultant can reasonably explain any complex products and not just sell them, and such a product is also appropriate (and not chosen because of the product), why not?

If in the end only the condition decides, you have unfortunately not understood it.

A consultant invests a lot of time, but in the end is 5 basis points more expensive than an anonymous provider from scratch, who was ultimately only chosen because it was cheap, but takes over the consultant's developed concept, then that is not fair to the one who provided the free consultation.

how do I find the right advisor :-(. we live in a small town, I have an appointment at my local bank for now. it shouldn’t necessarily be the cheapest offer, but the best one for us.

optimally, the cheapest offer should be the best one for you ;) because the less you ultimately pay in the end, the better the offer was after all.

How do you find the right advisor? Go to all the banks in your area and get an offer. I would choose the advisor you got along with best on a personal level and whose offer was good. I don't like working with people I can't connect with on a personal level, since you will have to deal with each other again in the future...