Calculate the actual euro gap between each proposal at €869,400, then ask what extra work buys that difference. You may find the expensive package includes items you value, but bundling alone does not establish value.
I would pay particular attention to the definitions of negotiation and...
Choosing the wrong comparison could leave me committed to a payment that only looks manageable on the headline rate. The property in Lisbon is around €717,600, and one offer is fixed at 6.38% for 30 years. Once the lender applied its fees and the relevant LTV band, the cheaper advertised option...