If I am now lying on the couch, the iPad at hand, the Sunday coffee in my body, the cat purring, outside the autumn wind has driven away the summer, then I am really satisfied and know, all ours, not a cent of inherited money in it, and still paid off and the bank can go to hell.
But it makes no difference whether on credit or paid off, that's why the cat purrs just the same. Completely irrelevant...