Construction costs are currently skyrocketing

So using a lawnmower is a stupid example. You need it too often and too temporarily. Just yesterday I chuckled again... a neighbor starts the mower and every half hour the others start theirs too

We now need a chainsaw. But that's again one of those things where I think "hmm.. maybe better to have my own".

How can you bet on falling interest rates with rates around 1-1.5%? :O We closed at 1.4% for 20 years in February, anything below that was never an issue. I can't imagine that there are many, percentage-wise, who have closed for 5 years.

How can you bet on falling interest rates when they are around 1-1.5%? :O

Maybe not on falling, but against rising? So, it feels like in the last 10 years I have often heard things like "they will never rise above x% again! The EU needs low interest rates, otherwise everyone will go bankrupt and that's why mortgage rates remain low" or something like that, and the x got smaller every year ;) And then you might stand there thinking "wait, we are supposed to pay 200 euros more every month, just for the longer fixed interest period?" I don’t personally know anyone who voted below 10. But when it was about more, my impression last year here in the forum was also that opinions were definitely divided.

So a lawn mower is a bad example. You need it too often and too temporarily. Just yesterday I chuckled again... a neighbor starts the mower and every half hour the others follow

We now need a chainsaw. But that's again one of those things where I think "hmm.. maybe better to have my own".

I didn't suggest the lawn mower. But that's one of the critical points. Which tool is needed seldom enough and is so expensive that renting is worthwhile, but at the same time is needed so frequently that renting pays off? And which of those isn't the kind you can just ask the neighbor for?
That works quite well for specialist equipment that you need for a weekend to a week and then never again, the usual range in machine rental. But everyday tools like cordless screwdrivers don't really fall into that category. If you don’t have one yourself, you can still ask the neighbor, who certainly has one.

So I do not lend my tools. Gradually, I have bought quite good equipment and enough of it. I do a lot myself on the car and house. Unfortunately, things then strangely disappear or are inexplicably broken. Then money comes into play and that can strain friendships. So no thanks. Otherwise, I am very interested in solutions. But real solutions.

How can you bet on falling interest rates with rates around 1-1.5%? :O We closed at 1.4% for 20 years in February, anything below that was never an issue. I can’t imagine that many people who closed for 5 years are affected percentage-wise.

Didn’t you also want to minimize repayment before the turnaround because of the well-known eternal price & ETF value increase and instead invest the money in guaranteed 6%+ ETF returns? ;)