Current financing offer from the house bank

No, it’s nonsense to choose a higher repayment rate at 1.4-1.7% nominal interest! You’d rather put the higher repayment into products with a return greater than 1.7%. Annual inflation is at 2% and more. Salary increases at least 1.4% per year (in recent years), with rising inflation probably even more than 1.4%. Average annual return on stocks is 4% and more. The nominal interest rate is fixed at 1.66% for the next 27 years. I wouldn’t repay more than until retirement to save at 1.66% nominal interest the next 27 years if the nominal interest is almost covered by salary increases alone plus additional returns from stocks.

!!! above all, a higher repayment leaves you less room to invest or spend, but fine, pay off quickly and live very frugally. The best years for me are now and not at 60.

!!!
above all, a higher repayment rate leaves you less room to invest or spend, but sure, pay off quickly and live very frugally. The best years for me are now, not at 60

Maybe you should first address the problems with your building savings plan before giving me recommendations here...

Average annual return on stocks 4% and more

Average return of stocks at the current Shiller CAPE is close to 0 or below. Although to be fair, "comparable CAPE" also includes many data points with significantly lower values. So the historical value tends to be set too optimistically. In addition, the interest savings are both guaranteed and tax-free. And suddenly the situation doesn’t look so bad anymore.
Putting all money into repayment? No. Sugarcoating the risk of leveraged investments? Better not.
Instead of blanket statements, a differentiated consideration for each individual case is needed.

Maybe you should first address the problems with your home savings plan before giving me recommendations here...

The average return on stocks at the current Shiller CAPE is close to 0 or below. Although to be fair, "comparable CAPE" also includes many data points with significantly lower values. So the historical value is probably set too optimistically. In addition, the interest savings are both guaranteed and tax-free. And suddenly the situation doesn't look so bad anymore. Put all the money into repayment? No. Sugarcoating the risk of leveraged investments? Better not. Instead of blanket statements, a differentiated view is needed for each individual case.

What problems with my home savings plan?

What problems with my building savings plan?

See post #129, I was also surprised that you now come around with a building savings contract … the financial advisors also wanted to push that on me (Dr. Klein), I just laughed …. The advantage of such a building savings contract is that at least the broker gets a decent commission …. :D

What problems with my home savings plan?

I explained to you in detail yesterday why, firstly, it doesn't work and, secondly, it is quite expensive. I also wonder what you actually want now. First, you tell us that you invest the saved money from the low rate in stocks because they have much better returns. Then you tell us that you are making a home savings contract. And today you say that you prefer to blow the money... after all, you are only young once... By the way, the whole procedure confirms my view that a rate of a decent amount is the best solution. Ultimately, it should remain the exception that people actually invest available money sensibly and profitably. But if the money goes into lifestyle inflation...

I can at least "save" a minimal amount in the building savings contract to be secured for amount x after the interest expires...

The plan is to build an ETF portfolio on the side, keep the building savings contract minimal for maybe 200k -> interest security and the rest will show with time ;-)