Are these good conditions for a long-term central bank loan?

I do not see a 30-year SZB as necessary here. You are young and the amount is (relatively) manageable. I could imagine 15 to max. 20 years. For that, you would need the current conditions. And yet, the crystal ball remains rather cloudy.

Where can you find a house with 900 sqm of land practically move-in ready for about 300k€? How should the 200 sqm of usable space be understood? Basement + attic? Are there no renovations/refurbishments required on the property in the next few years? :cool:

Search for FMH Hypothek.
There is a very good tool that lets you play with actual market conditions.
You can then do a calculation for your remaining debt with any compound interest calculator, you can also simply do it yourself in Excel.

So far I have always used the Baufi24 "Profi-Tool," but I can also take a look at the FMH calculator.
The point was: is my "loan amount" then, for example, the remaining debt?

I don’t see a 30-year fixed-interest period as necessary here. You are young and the amount is (relatively) manageable.
I could imagine 15 to max. 20 years. For that, you would need the current conditions. And still, the crystal ball remains rather cloudy.

First of all, thanks for your help.
Phew, this really makes me rethink. What is it based on that 15 or 20 years "are enough" for us?
"Just" because you can then repay more and, due to the lower remaining debt, could afford more interest without losses?
Wouldn’t even shorter periods and higher repayments make even more sense?

For comparison:
I had another offer from a different bank with a bit more equity for 1.19 SZB at 15 years fixed-interest period.
And also with more equity, I would be at 1.52 for 20 years. For comparison, with the same equity it is about +0.3 SZB.

KfW is 0.98 SZB at 10 years.

I am of course especially attracted to the KfW.

Where do you get a house with 900 sqm plot practically move-in ready for about 300k€?
How should the 200 sqm usable area be understood? Basement + attic?
Are no renovations/refurbishments required on the property in the next few years? :cool:

The usable area also includes an area next to the garage, basically workshop/storage, and there is some additional space, which was probably once a stable or kennel or something. Now it is a hobby room.

No renovation is planned for now; heating, electricity, etc. has been done.
The roof is about 30 years old but looks okay (to me as a layperson).
Of course, it will have to be done eventually, but over time.

Wouldn't even shorter terms and more repayment make even more sense?

You have to calculate and weigh it. Security/risk.
If you also include different equity ratios for the various SZB, it becomes completely confusing. However, the interest rate always moves between 1 and 2%.
How many € should be spent on it at most per month?

What about the equity for offspring? That should also be considered right away.

using equity twice in the same post with different meanings is pretty good ;). But content-wise you are of course right, it is hard to evaluate something when the variables keep changing.

Search for FMH mortgage.
There is a very good tool where you can play around with actual market conditions.
You can then do a calculation for your remaining debt with any compound interest calculator, you can also simply do it yourself in Excel.

So, I have now tested the tool and I am more confused than before.
I hope you can clarify for me how to use the tool "correctly" before I fool myself.

For me, there are two possible calculation methods.

A. I let the tool directly calculate the repayment plan even after the fixed interest period.
Then the rate shoots up from €733 to €1400 after the fixed interest period but is completely paid off after about 7.5 years. (So I cannot change the second phase manually)

B. I FIRST calculate the full amount with 15 years. THEN I take the remaining amount for a new calculation.
So after 15 years, I enter the following data:
Loan amount: €106,596
Nominal interest rate: 5%
Repayment: 3%
Fixed interest period: 15 years (or whatever suits me then)

Then I get a rate of €710 and after 15 years, there is a remaining debt of €35,000 (for which I would need about 5 more years in calculation)

In summary:
If I understand correctly, for a sum of 210,000:
As long as the nominal interest rate reaches a maximum of 5% in 15 years (with 15 years fixed interest period), there is hardly any difference between now 1.19% and then 5% and now 2.09% with 30 years fixed interest period?

In other words, if the nominal interest rate is under 5% in 15 years, a short fixed period is better; if it is above, the long fixed period would be better.

Where can you get a house with 900 sqm of land practically move-in ready for about 300 k€?

If the chosen nickname contains a hint about the place/region, I can quite imagine that. :p