Construction costs are currently skyrocketing

Paying off debt instead of ETF speculation is becoming attractive again.

Can you please explain that in more detail?

For longer terms of 20 or 30 years, the 2 before the comma is sometimes already there

If you go to the bank today, there will definitely be a 2.x from 20 years onwards. We are more likely already at 2.5% or higher. Exceptions are, of course, those who are already in the offer or review phase and can soon hope for a signature.

Am I also currently seeing interest rates at the "normal" banks moving in this direction?

Since the end of 2021, it has been steadily going up. For 10 years, the bank's cost without margin and other expenses is already over 1%.

Always look at it this way: The higher the interest rates, the lower the initial percentage repayment must be to be finished by retirement (or time X) :p

Sorry, couldn't help it ...

Always see it this way: The higher the interest rates, the lower the initial percentage repayment must be in order to be finished by retirement (or time X) :p

Sorry, couldn't help it ...

:D ... that's a good one! I think only those who no longer have to finance can laugh about it now. :)

Since the end of 2021, it has been steadily going up. At 10 years, the bank's cost without margin and other costs is already over 1%.

Ok - I was not aware of that.