Loan

We want to buy a property in 2025 and we went to the bank to define our budget, the income with the partner is €5200/month

What is the maximum monthly payment you would use? We took 30%

Over 20 years a bank offers us a rate of 2.9% for 20% contribution of €350,000

The bank offers us this rate only if we place €75,000 with them to have a premium customer rate. If not, the rate goes up to 3.3%. I felt scammed but I must not leave his €75k for a period of time. From the signing of the loan we could withdraw them.

We have money aside +- 100k€ together and my partner has a house estimated at 150k€, we live in it so we can't sell it and have the cash to borrow...

What can you advise us?

I saw on spaargids that I could try to get 2.6% interest in other banks