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

no, I won’t write that

should I tag you all next time ??

Did anyone demand that? It’s just about not lumping everyone and everything together indiscriminately. Maybe the majority acts as you say. But definitely not everyone.

Did anyone demand that? It's just about not lumping everyone and everything together. Maybe the majority acts the way you say. But definitely not everyone.

And I won't let anyone tell me what to post. I'm just the type to generalize.

The 300 € in ETFs are not "uninterest-bearing" (actually quite the opposite right now with 16% ;) )

You are absolutely right, but the problem with the stock market is that it is unpredictable. Quickly withdrawing 10,000 € from the ETF for a new car/heating/whatever can also quickly end with a 20% negative return.
Don't get me wrong, I think it makes absolute sense not to put money only in a daily allowance account and I also have my ETF savings plans. But you also have to be aware that this money is best left there until retirement, meaning it is initially unavailable.

What exactly is insured for how much?

250,000€ over 25 years through EUROPA insurance

Meh, everything done, signed and boom... yesterday we were told the notary appointment is postponed by 2 weeks (it was supposed to be on Friday, that’s quite early to notice). :mad:

Because of that, we are naturally out of the withdrawal period for the loan. The bank won’t extend the deadline. We could probably withdraw now with the note "Notary appointment postponed" and then revoke the withdrawal through a declaration of nullity. Sounds complicated and uncertain to me. If the left hand at the bank doesn’t know what the right hand said, the property is locked.

But alternatively, we leave the financing as it is and if everything falls through, we are stuck and have to dissolve the loan and pay a prepayment penalty, right?

What would you do?

The notary is aware of this? A good notary will do everything to ensure that the appointment is also within the withdrawal period. You pay him for his services. But well, probably notaries don't see it that way given the high demand :D