Error in financing?

Stupid question, you now have sums. For 400k counteroffers are worth it. Have you asked brokers and requested a 15-20 fixed term? You should do that

I'll still do it... but with, for example, 20 fixed-term agreements and then being completely unaware, that's not really good, is it? If suddenly there's a 5% interest rate, you're in a pretty bad spot...

I'll still do it... but with, for example, 20 fixed years and then completely clueless afterwards, that's not really good, right? If suddenly there's a 5% interest rate, you're in a pretty bad spot...

That's why you have 5 more years of interest rate security. Yes, it usually costs a surcharge, yes, you have to learn to save and make special repayments.

A fixation period of 30 years so that you already know the complete repayment schedule will probably not be available, right?

A commitment of 30 years so that you already know the entire repayment schedule will probably not exist, right?

There is.

Yes, there is. We have half of our loan in one like that, at 1.84%. It was also concluded about a year ago. But mostly, it is done through the insurance companies.