Experiences and opinions on financial planning

Do you consider the remaining debt a problem in view of the risk of follow-up financing, or is it "just" about the fact that a lot of interest is paid during the 15 years of fixed interest rate?

For me, it is only about the fact that...

400k in 15 years with a constant interest rate but rather 20% or more salary increase is very doable. Even an interest rate increase is conceivable – also a reduction in repayment, since I personally am not a fanatical advocate of "the house MUST be paid off in retirement," so this can be imagined if necessary.

In addition, cold rents for houses here realistically range between 1800 - 2100 Euros. Unfortunately, that does not make the decision easy, since ownership is of course associated with corresponding risks.

On the contrary. That makes the decision extremely easy. You pay "only" €1,600 interest at the beginning of the financing (interest share continuously decreases) – the rest is a savings rate. While you as a tenant have to expect rising cold rents, your equivalent "interest" reduces every month or the annuity including repayment remains unchanged for at least 15 years.

You are only 45 years old in 15 years - so far from retirement (I say this at my 41 years). The 350-400k that will still be outstanding then will be worth less adjusted for inflation than today and your income is likely to be higher. The rents in your area also speak in favor of acquiring property.

From my point of view: If the location is so perfect, then do it. If not now, when then...

Yeah, I would do it with the parameters as well And 30 years is not really that old to have tens of thousands of euros set aside for the renovation