Which financing option, TH or building savings contract?

The Ing-Diba regularly has interest rate promotions. For my postal code, there is currently a 0.2% discount. Depending on the region, it can be a bit more.

The offer from the financial advisor should show what has been taken into account for the financing (i.e., whether he improved anything with a "muscle mortgage").

So there is no discount for our postal code. Everything was handwritten on a "form" for financing proposals. Apparently, own contributions amounting to €28,000 were assumed. There would still be €18,500 missing to reach 85% financing. Question marks over question marks?!?!

28,000 personal contribution is already a significant amount. Especially when it is supposed to be generated only from the following things:

(Painting, laying laminate, etc.)

In addition, many banks have a limit starting at 10K or 15K. Then the personal contribution must be stamped by your architect.

The good interest rate would raise fewer questions for me, since the showcase rate (that is, when you inquire directly at the bank about the conditions) can differ significantly from those offered through financing systems.

I just see that the 28k is actually not personal contribution, it apparently belongs to another invoice. Wow, so much scribbling and the handwriting, my goodness...

So it could well be that the 1.8% is correct if you ask the bank instead of using their table online. That’s also a strange procedure again

So it could be that the 1.8% is correct if you ask at the bank instead of going online through their table. That’s again a strange procedure

?? The broker also does it online; however, through a special system for real estate loans. The banks enter their acceptance criteria and conditions there.

What is strange about that?

The only strange thing is that your broker presents you with some rubbish sheets or only gives you those. That might be good for thinking through options during the conversation; but you don’t send the customer home with that.

It doesn’t take more than 5 seconds to print out a reasonable financing proposal for him (he has to enter all the data anyway to determine the conditions matching your case).

Or did he not enter anything at all???

No, he didn’t type anything. He had one of those large foldable (programmable?) calculators with him. We chatted briefly, then we stated our framework conditions (what is being built, costs, etc.), afterward he did some calculations and wrote down the interest rate, the installment, and the RS. A large part of the conversation was spent discussing the pros and cons of the 10-year financing compared to the 15-year financing.