Which construction financing is suitable for us?

Thank you for your answers :)

:
Yes, that would be the case. About €1300 + the €400 cold rent.

I see it like Koempy.
At €1500 I couldn’t sleep peacefully anymore.
We had calculated with +/- €1000 installments + annual special repayments if it could be saved from the separate income (SIE).

Only the model raises questions for me.
Is loan Bank/KFW + building savings contract sensible?
Is the advisor’s commission more in the foreground or is it really more optimal for us?
I actually always wanted Bank/KfW loans with 15-20 years fixed interest and +/- 3% repayment or thought that was "usual".

It is also important to me that the €400/month savings (child + parents) remain for us.

I always read that you should get many different offers. But from whom?
* Financing service prefab house manufacturer
* Interhyp
* supraregional bank
* house bank
These are our planned contacts. Have I possibly forgotten an important contact?

When it comes to financing models, it is often ultimately the decision of the builders. What they have envisioned. If the first offer doesn’t appeal to you from the start, I wouldn’t settle for it either.

Bank/Kfw + building savings contract can, in my assessment, definitely make sense. Just like Bank/KfW or Bank/building savings contract. It always depends on the situation of the builders and the interest rate, in my opinion.

Regarding KfW, for example, I am of the opinion that loans over 50,000 are not sensible. Because the repayment rate is 1% and after 10 years, it is re-financed. The term is therefore much too short, and you don’t manage to pay it off if it is more. If I am correctly informed, the Kfw loan even ranks first at the bank.

If, for example, the interest rates on your building savings contract are currently worse than those of the bank loan, I would not want to include it. Rather save money there over the next 10-15 years and use it as a special repayment without a loan or keep it as a reserve for possible purchases.

I would recommend going to various banks or even financial advisors and having offers made based on your situation.

When do you plan to build? Has that already been mentioned :):rolleyes:??

We want to proceed with detailed planning as quickly as possible. The prefabricated house provider has been firmly selected and several consultation appointments have already taken place at the company headquarters/sample center.
Shortly (within the next 2-4 weeks) there will be a site visit (the plot is purchased) with the architect & detailed house planning. In other words, the construction schedule will get underway. We expect the house to be erected in about 1 year.

Ok, then some things are already off the table. Since you probably only have the one offer from the Haus-Hersteller Finanzierungsservice, as I said, I would possibly go to a house bank or an independent financial advisor again and get more offers. Ultimately, you can see for yourself what is financially possible. Then put it into the longest possible term, possibly also with a slightly higher initial interest rate.

Without the exact costs and conditions from the [Bausparer] (in the savings and loan phases), no information can be provided. At the same time, have offers made by one of the brokers. The rate should of course be similar to what you are paying here for loan + [Bauspareinzahlungen]. Then it is relatively easy to compare.