Why is financing so difficult?

No, according to the bank guy they were at least the same. Same interest rates, etc. But I haven't looked into it in detail yet.

The 153iger (Kfw 70) is currently available at 1.41% and the 124iger (KfW Wohneigentumsprogramm) at 1.61%, each with a 10-year fixed interest period. With reasonable creditworthiness, the bank usually beats the 124iger in terms of the term, and you cannot partially repay it early, whereas the 153iger can be repaid at any time in unlimited amounts.

Exact details are available on the KfW website, but in my opinion, the banker's statement cannot be entirely correct...

And the 124 only has 5 months of provisioning-free time!

Okay, then the Sparkassen advisor told us nonsense. He threw both loans at us for the same interest rate of 1.61%. But fine. We didn't want to finance through the Sparkasse anyway.

Different interest rates are one thing, but the other conditions with the 124 are also rather off-putting...

Different interest rates are one thing, but the other conditions with the 124 are also rather off-putting...

depends:
If you don’t plan any special repayments (or possibly only up to the amount X, which is used for the other loans), this disadvantage would already be eliminated. For financing €360,000 (as far as I still remember correctly), you first need to have €18,000 (5%) per year available for special repayments.
You overcome the interest-free period by paying the first invoices from this loan.

The only disadvantage that I think might apply is – as described by – possibly a better interest rate at the house bank with reasonable creditworthiness.
Oh – I almost forgot one more "disadvantage": With KfW, the repayment portion is relatively high, resulting in an annuity between 6 and 7%. In tight financing situations, the bank loan might be more sensible. However, you pay off for a longer period.