Concrete financing offer - how much must be "left over"?

For anyone with a short term of 15-20 years, the protection is certainly not worthwhile, although the variants should also be calculated here. We calculate with a term of 30 years and ich strongly assume that interest rates will be at a significantly higher level again in 10 years. I also assume that there will be a major crash in Europe - but everyone has to decide that for themselves. For us, protection with a building savings contract variant is worthwhile if the interest rate in 10 years is greater than 4.4%. We have calculated 3 different models: - Full repayment over 30 years - Interest rate protection over 10 years with residual debt risk - Payment deferrals in combination with a building savings contract over the residual debt. All 3 variants each combined with a KFW 153 over 20 years. Best regards

Just want to briefly touch on the topic of marriage and tax classes.

It should be clear to everyone that at the end of the year it doesn’t matter whether husband/wife have 3/5 or 5/3 because the tax office lumps everything together anyway and calculates based on 4/4.

Thus the only advantage is that you immediately have more money available or, in the worst case, have to pay additional taxes if you can't prove enough advertising expenses, etc.

So anyone who gets married to save money should think twice beforehand because the pension points can hurt if things go south.

thanks for the hint. Financially, you are right. However, we also have the situation with buying from the parents/partly a gift. We are currently realizing that it would be much, much easier if one were married.