Do bullet loans change experiences?

I've become cautious when it comes to Google and financial data... What you write is probably true, but I no longer rely on it.

If I remember correctly, there has been - looking at each period of over 30 years - NO period in which stocks performed negatively. So the probability of being right is relatively high. It's up to oneself whether to take the risk - if the financing is really tight, I probably wouldn't risk it either.
If you can comfortably save a bit regularly on top, it seems very attractive to me.

However, it requires tremendous self-discipline so that you don't suddenly go and dip into the money because "it's there." And definitely don't trust the average bank and buy their active funds.

You can gladly verify via Bloomberg, the order of magnitude is important and not the decimal place. In fact, the maximum drawdown is just as irrelevant as the nominal performance over 30 years in the best and worst case. What matters is that with the mandatory withdrawal at a fixed (or narrowly limited) time, one exposes oneself to a high market risk. A -20% drop really hurts in that situation. Simply waiting another 5 years for better times is not an option when the follow-up financing is due and a high remaining debt must be financed at an unplanned high interest rate. This is something completely different from retirement provision, which is accumulated and decumulated over decades, with appropriate diversification of market risk.

Sorry, didn’t mean to doubt your number - it sounds plausible. Just wanted to explain why I didn’t google it :)

It’s probably better if I stay out of this anyway - since I have relevant prior experience, I definitely approach the topic of investing or financing differently (more risk-taking...) than would be wise for a layperson.

There was a reason at the time why a bullet maturity date was chosen. Redemption through building savings contract, life insurance, company pension, sale A change in the payment terms does not require the bank's consent, just like a termination. Just because of the feeling of having less or no debt, repayment makes no sense. Just let it run. I would be much happier with 300,000.-- debt and 80-120,000 credit than with 200,000.-- debt

Good point, why was a final loan taken out? Normally, there is then something alternative in which you repay or build up capital.

Or, very bad, one never intended to repay. Then the place is probably gone at maturity and possibly you even have to top up.

Depending on the interest rate, I wouldn’t want to repay immediately either. Instead, daily allowance, field money, money market funds, bonds. So something low-risk. No stocks, for stocks(-ETFs) please only use money that is leftover and not earmarked. Some smarty pants has already lost their house this way.

If I remember correctly, there is - over each period of 30 years - NO period in which stocks have performed negatively. So the probability of being right is relatively high.

I would be rather cautious with such statements. No one would have thought that Russia would start a war in the middle of Europe or that a right-wing nationalist party would ever receive as much support in Germany after WWII as it does now, or that a Trump would be effectively re-elected despite nonsense attached to him.

Therefore, I would rather exclude the last decades with the past ETF performance.