Check24 credit too good to be true?

I need your opinion because I'm afraid I'll get ripped off. I have two real estate loan offers for KfW 297: Loan amount is €100,000 over a 10-year term Interhyp (via Allianz): Target/effective interest rate: 1.43% / 1.49% Rate: €987 Check24 (via Allianz): Target/effective: 0.90% / 0.95% Rate: €964 Is the Check24 offer too good to be true be? My Interhyp advisor says she believes Check24 or Kfw would arrive a week after the application and say: