600,000 how to finance? Income 600,000, combination with KFW?

For the residual debt risk, there are different approaches and views. 1. Is it really that enormous, considering the high KFW repayment and the repayment grant 2. Will we see a 5-6% market interest rate level again in 10 years? I am rather skeptical about that. But what is certainly possible is to save separately (there are different options) and then repay as much as possible after 10 years.

Well then, go! The interest rate risk of the KfW is somewhat sweetened by subsidies, so I would be relaxed about that. The alternative is at most to calculate KfW over a 10-year term - then also with a better interest rate, but then you get an annuity of around 11%, which you have to manage first.

Well then go! The interest rate change risk of the KfW is somewhat sweetened by subsidies, so I would be relaxed about that. The alternative is at most to calculate KfW with a 10-year term - then also with a better interest rate, but then you get an annuity of about 11%, which you first have to manage.

Yes, with a loan of 120,000 that would work, but not with 240,000.
Thanks!
It's somehow quite a lot of money and debt. I had to get used to that thought first.

There are different ways and opinions regarding the residual debt risk. 1. Is it really that enormous, considering the high KfW repayment and the repayment subsidy 2. Will we see a 5-6% market interest rate level again in 10 years? I’m rather skeptical about that. But it is certainly possible to save separately (there are different options) and then repay as much as possible after 10 years.

Yes, that’s the question about the interest rate level. I’ll calculate it through. And make myself a nice Excel sheet. I’ve read or been told that some banks count the KfW loan as equity because it is subordinated. Is that true?

Yes, that's the question about the interest rate level. I'll calculate it through. And make myself a nice Excel sheet. I've read or been told that some banks count the KFW loan as equity because it is subordinated. Is that correct?

Our house bank did it that way.

Yes, that's the question with the interest rate level. I'll calculate it through and make myself a nice Excel. I've read or been told that some banks count the KFW loan as equity because it's subordinated. Is that true?

Our bank recognized the KFW portion as equity for the calculation