10 years (0.99%) or 15 years (1.40%)?

Didn’t you expect a pure loan installment of around €1,600? Now it’s still €1,300 and already including additional costs and reserves?

it says + warm. That means the pure loan installment and warm costs are still added.

I did not write that fairly, but I would never sign a loan without the possibility of changing the repayment. With us, this is possible twice over the entire term.

The topic of 2x repayment changes over the entire term is nice and sounds good at first, but when you think it through, it is nothing more than lowering and then raising the installment again (and only within a defined repayment % amount stated in the contract). After that, at least for me, it's game over regarding repayment changes. Therefore, one should consider carefully how to use this option.

So, because of the 70% position and stress and stuff. I worked 100% after the first child. It was really hectic with the then employer. Then I looked for something new and from then on it was really manageable. My husband delivered to the daycare in the mornings and I picked up the child in the afternoons. Now with the second, I’m at 80%, so I can fully take care of the children on 3 days and have basically free time on 2 days since my husband works from home. It’s so relaxed like that. I can even take a nap. Financially, it’s very easy to manage as well. Due to the tariff increase, I earn almost as much net as before with 100%, and in 2 years, through the increases, I’ll be back at the previous level for good. Our loan is split into 4 parts. 2 with KfW over a 10-year term and 2 annuity loans also with a 10-year term. We secured the annuity loans with a building savings contract, which can be accessed after 10 years or also not, depending on how the interest rate jumps. In other words, after 10 years, all loans are "free" again and can be reissued. But the big chunk is secured. I calculated everything... we save almost 20k through this admittedly somewhat complicated model.

Brief update:

We are in the "final" stages and will start flowing in about 4 weeks. Since August, we have been able to save around 45,000 euros thanks to the sale of some items, 4 tax refunds, bonus payments, optimizations, and savings efforts, which can now be reinvested in the kitchen, interior furnishings, and unforeseen (actually luxury) expenses. We could also use another 20,000 euros to really realize everything one envisions (window seat, more expensive staircase to the attic, steel swing doors, etc...) but currently everything looks pretty good.

Your project should be taken as an example for the expression "to squeeze a real estate financing to the limit" in the Häuslebauer dictionary. You are living well beyond your (financial) means. The whole thing is so stretched to the limit that one can only sincerely wish you the best of luck that everything goes well. You will need it.

Hopefully, with this board, you also considered [BU/RLV] for both!?

Your project should be used in the Häuslebauer dictionary as an example for the expression "to stretch a real estate financing to the limit." You are living well beyond your (financial) means. The whole thing is so tight that one can only sincerely wish you the best of luck that everything goes well. You will need it.

Hopefully, with this post, you also thought about BU/RLV for both of you!?

Can you explain your statement or do you only talk a lot without saying anything? That doesn't help anyone.