Assessment financing 425k, equity 200k, net 5k - unmarried

then calculate again. it is definitely not 33 years without special repayments, which are rather theoretical

Repayment rate change - or are you assuming that the OP and her future husband will not get any raises?

You can also always exaggerate with horror scenarios. Besides: don’t project your own situation onto others, the OP will manage it, I am sure of that.

one more thing about inheritance. If he dies, his share goes to the mother if one is not married or has not made a will. With a will, the mother still gets the compulsory portion, which is 50%, and the tax-free limits for the girlfriend are low. A marriage would halve the amounts, but without children the mother still gets something. The question is whether it will be claimed. one more thing about the costs. The mobility costs are of course high with 2x30km each plus a ticket and then with a vehicle not suitable for that. I would definitely change something there, because even 100.--/month is not enough then. 30,000€ for a terrace, is that with a conservatory?

one more thing about inheritance. If he dies, his share goes to the mother if you are not married or have not made a will. With a will, the mother still gets the compulsory portion which is 50%, and the tax-free allowances for the girlfriend are low. Marriage would halve the amounts, but without children the mother still gets something. The question is whether these claims are enforced. one more thing about the costs. Mobility costs are of course high with 2x30km each plus a ticket and then with a vehicle not suitable for that. I would definitely change something there, because even 100.--/month would not be enough then. 30k€ for a terrace, is that with a conservatory?

I do not see the pure kilometers as high. My wife and I will also have 60km one-way. I see that as standard if you want/can only live rurally and not in the city.

I don't see the pure kilometers as high. My wife and I will also have a 60 km one-way commute together. I see that as standard when you want/can live rurally and not in the city.

Yep - and what you shouldn't forget: 2-3 days of home office per week and everything is fine ;)

Yep - and what you must not forget: 2-3 days of home office per week and everything is fine ;)

I expect 1-2 for myself after Corona. Currently 100%. My wife already arranges her work on 4 days when it fits.

A high savings rate is simply missing at the end with the installment. And especially because the savings rates are not interest-bearing

The savings plan rate (i.e. the 100€, which are not interest-bearing) disappears after one year, as already mentioned. The 300 € in ETFs are not "not interest-bearing" (on the contrary, rather with 16% ;) ) and the instant access savings account is not saving in the sense of investment, but in the sense of: I am saving for a purchase like a new camera.
And 300 € (= 10% of my salary) is by no means an exaggerated savings rate, in my opinion.

also something about the costs. The mobility costs are of course high with 2x30km each plus a ticket and then with a vehicle not suitable for it. I would definitely change something because even 100.--/month is not enough then.

It is 1x 15km and 1x 35km one way. You can hardly travel such a distance cheaper than by motorcycle. And I am the only one with a ticket for public transport.
I have already noted that the 100€ reserves are too low.

30k€ for a terrace, is that with a conservatory?

Why 30k?
There is a very rough item with 35k for renovations and terrace. No conservatory planned. And nothing that MUST be done, as the house is move-in ready.

Yep – and what you must not forget: 2-3 days home office per week and everything is fine ;)

Telecommuting is what it’s called when you do it officially, and that is what we plan to do ;)

then calculate again. definitely not 33 years without special repayment, which is rather theoretical

It is mathematically 29 years and 11 months and 39 years and 2 months if you want to know exactly. So what now?