Current financing offer from the house bank

How are your background data? Income, total equity, etc.

Question 1: How do you pay off a loan with an ETF portfolio in 20 years? According to my calculation, you still have 430k€ debt after 20 years. Many people don’t even have that much at the start of the term. Since you have to pay 25% tax on gains from stocks, you need 537k€ to pay it off completely. At 5% return, that means 200k€ and at 8% return, 116k€ investment. Is that your calculation?

Question 2: You say that Dr. Klein was not competitive, but then ask if the interest rate is good. If you have an offer from several banks via Dr. Klein, you should know how good the interest rate is, right?

If your nickname has a meaning here, you are about as old as I am. I am financing 410,000 over 27 years with full repayment. After 20 years, in your mid-50s, you still have more outstanding debt than I originally took on. Do you really dare to do that? You could calculate what your ETF savings plan needs to yield or how much you have to invest in it every year to get at least 200k€ (after taxes) out and then dive into the next loan with "only" 230k€, which you hopefully pay off by retirement. Unless you have another 300k€ on the side or there is an inheritance coming soon, then the situation looks different again. About the loans: I believe if you let Interhyp, Dr. Klein and maybe Check24 get the offers for you, there won’t be many better deals.