1972 house with 174 sqm from the neighborhood

difficult to estimate. My father told me that if I really wanted it, and a few tens of thousands of euros would reduce the interest rate by one or two tenths, we could manage that. However, I do not assume that we are talking about a very large amount (maybe 50-70?). Due to my situation - just finished studying, bought a car, and acquired some fat reserves - I simply have no significant equity, so with renovation needs alone, that would be a 110% financing ... Therefore, I find this point perhaps very appealing. It is definitely not about the full amount of retirement financing, far from it. Rather about an amount to obtain interest advantages, IF that makes sense. But so far it doesn't really sound like you have major financial concerns?

but so far it doesn't actually sound like you have major financial concerns?

It is probably well known that life situations in your twenties develop very differently. I would have liked to finish earlier too, I worked for 1.5 years between my Bachelor's and Master's to finance my Master's and not be a burden on my parents. Fundamentally, I agree with you, it's actually not the right way to finance it like that. Whether it works differently is the question.

I worked 100% of my studies 20 hours/week during the semester and 40 hours/week during the lecture-free periods. We are also only building a house in our early 40s, because before that student loans/cars have to be paid off. Everything is possible if you want it. There is the easy way where you drag your parents into it (not my way) or the more difficult/responsible way where you build/buy when you can afford it and do not endanger the family's money.