Current financing offer from the house bank

What are the details of the property? Size, location, standard land value, etc?

Standard land value approx. 1,600 euros / m2, newly developed building area Stuttgart outskirts 145m2 living space and 50m2 usable space

You should finance 100 times your monthly income, max 110. With an 800k€ loan, you would then be missing 1000 per month. But why do you have so little equity with 7000/month? New build or used property? In my opinion, it is too big a number. Speculating on credit with ETF can work out, but doesn’t have to. The amount is too big there as well.

Phew, 815 TEUR for 160m2 of land is quite steep. But I assume nothing needs to be renovated anymore?

Sorry for asking, I don't have a very good forum memory and haven't dug through your history now, but your nickname does seem familiar.

Weren't you the user who reached out here a few months ago with depression and crying spells because you had anxiety attacks and called off the house purchase before the notary appointment??

Wasn't one of your main fears the uncertainty, especially regarding the large amount of debt??

Now you come around with a huge loan and want to enter into 10-year fixed interest periods after the SoWhat attitude in order to repay it later with the ETF portfolio???

Edit:
Sorry, 20-year fixed interest period...but that doesn't change much about the basic question:

Apologies again for asking...but what happened there???? o_O

Sorry for asking, I don’t have such a good memory for forums and didn’t dig through your history, but your nickname does sound familiar.

Weren’t you the user who posted here a few months ago about depression and crying fits because you had anxiety and canceled the house purchase before the notary appointment??

Wasn’t one of your main fears the uncertainty, especially regarding the huge pile of debt??

And now you come around with a huge loan and want to take out 10-year fixed interest periods after the SoWhat attitude to then pay it off with the ETF portfolio???

Edit:
Sorry, 20-year fixed interest period... but that doesn’t really change the basic question:

Sorry again for asking... but what happened???? o_O

That’s exactly me haha
The pile of debt remains the same, but the house is much, much better and the school transition fits perfectly

P.S. it’s a new build

It's nice if your loan is now a Mercedes :p

That's running under Porsche 911 GTS...

At that loan amount, I couldn't sleep so calmly anymore...

But this time please don't go to the notary and then cancel, it makes more sense the other way around.