20 years Volltiger or 15 years bet

Do you have your current account with ING? That would bring an additional 0.1% interest discount or is that already taken into account?

Yes, we actually do and it is already included in the 1.75%, but thanks nonetheless for the note.

Exemplary research and presented here with well-founded information. Many who make their first post here could learn a thing or two from this.

Take the full repayment loan. Although we financed over 20 years with special repayments, a clearly defined rate that you must pay does not tempt you to skip special repayments, if you know what I mean. I can, but you must. A slight pressure is always an advantage in such cases.

Hi,
In the future, it will be more relaxed when the second income comes back and childcare costs disappear.

I would keep childcare costs as expenses. Because small children mean small costs, big children mean big costs. This is offset again by school supplies, class trips, clothes, etc.

I do not expect any significant savings from this, but currently we pay over €500 per month for a kindergarten place. Small kids need clothes just like big ones, plus strollers, car seats, etc. I expect roughly the same expenses in Sunme, certainly not significantly higher.

Regarding the status of the matter: When we finally decided, the 20-year full repayment loan dropped again by 0.1 to 1.67%. The credit check has already been successfully completed, now the house appraisal is taking place and we should hear shortly whether it can get started.

Did you take 15 or 20 now?