1% repayment. Which banks? Requirements? Free land charge

1. we have never ever ever!!! been so far away from rising interest rates You can google the explanation yourself.. 2. With interest rates below 1%...(some say below 2%) amortizing makes no sense

1 aha, then I have to activate my portfolio 2. why? if you are not directly a small Warren Buffett and speculate badly, I do not see "not amortizing" at this level as the dumbest idea. After all, with amortizing you have a guaranteed return on your invested capital (namely the loan interest)

Hey

I am building again and only doing 10-year financing privately... also hardly any repayment, at 0.xx you are well 1-1.5% BELOW inflation...

and of course, Japan2.0, meaning zero interest rate policy for 30 years...

if interest rates rise by 2-3%, then Germany will pay many billions for the debt = negative budget again... and in the EU then Spain and Italy have massive problems... and that would be, unlike the Greece bankruptcy back then, a much bigger earthquake, therefore Europeans will never allow that...

2. With interest rates below 1%...(some say below 2%) repayment makes no sense

Tell that to the home builders and apartment buyers who are currently buying/building in the boom regions. Prices will not continue to rise permanently. And at some point the loan will be too high compared to the residual value. You can already see declining prices, for example in Dusseldorf (also with rents). Although... then you just put the key on the table for the bank and you are out of the matter.

Tell that to the home builders and apartment buyers who are currently buying/building in the boom regions. Prices will not continue to rise permanently. And at some point, the loan will be too high compared to the residual value. You can already see falling prices, for example, in Düsseldorf (also in rents).
Although... then you just put the key on the table for the bank and you're out of the deal.

well, unfortunately it’s not that simple... if you still owe 500k, and the bank realizes the collateral which only brings 400k, then you have to continue repaying the remaining 100k... for that the banks have included in the contract the silent assignment of wages/salary/income...

the banks have incorporated the silent assignment of wages/salaries/income into the contract

Really? Where is that stated? I've never seen that in our contracts. Normally it is done through the personal debt collection submission. My post was also meant ironically. However, with our commercial clients, this has actually happened - and suddenly we had the 50 million financing along with a vacant (listed) property to deal with. By the way, in the Anglo-Saxon area, this is everyday practice.

2. With interest rates under 1%...(some say under 2%) it makes no sense to repay

I actually don’t think that’s so bad... Not repaying and putting the money into a MSCI World ETF savings plan that yields 6-7% p.a.
With an investment horizon over 10 years, the risk approaches zero
You just have to have the guts....