Expert assessment required for financing

I would take the 15 years and additionally use the [Sondertilgung]. I would definitely save myself the 0.5% interest surcharge for the [Volltilger] (more precisely: put it directly into repayment).

90% want the option of a special repayment and the fewest actually use it or within the first 10 years. With 0.85% interest, it is also worthwhile to speculate and invest the remaining money more riskily. Over 15 years, significantly more should be possible. Above all, you are then more flexible when children arrive.

I often don’t really understand such requests for the fixed interest period. No one has a crystal ball to predict how interest rates will develop in 10 or even 20 years. Therefore, it is also very individual how much security one desires. Personally, I find the annuity a bit too low given the loan amount and the income.

We have the same professional status and are also currently looking for a loan (significantly smaller). The option with 15 years at 0.85% seems very favorable to me, may I ask which bank? We were offered a full repayment 20 years at 1.16%, for 15 years only marginally lower interest. Best regards

We have the same professional status and are also currently looking for a loan (significantly smaller). The option with 15 years at 0.85% seems very favorable to me, may I ask which bank?

We were offered a full repayment loan for 20 years at 1.16%, and for 15 years only a marginally lower interest rate.

Regards

Sure, but I don’t want to advertise, so I’ll send it to you via private message.

We have now decided on the 30-year full repayment loan and can look forward to the coming time quite relaxed. We have the option of special repayments, but don’t have to use it. At the same time, with such a low burden, you can still live normally and don’t have to restrict yourself. The difference between 20 and 30 years is ultimately far too small for it to really be worthwhile.
15 or even 10 years were not an option for us. When completed in 06/2021, there are effectively only 13.5 years of repayment time left... From an interest rate increase of about 3.22% in 15 years onward, we did everything right. If the interest rate were lower than 3.22%, today we would have been better off taking the 0.85%.
This is life. But thanks for your assessments.

We have a similar situation, although our full repayment loan has a worse interest rate (1.77%). For us, it will probably be a combination of a 15-year loan + NRW.Bank full repayment loan. I can understand your decision. It's just the safer option.

Some other things were more important to us (interest-free period, repayment change, flexible use of equity -> no priority for the equity)

Nevertheless, I will have the 20-year and 15-year calculations done again, for the feeling, and I am currently trying to get the interest rate for the 15-year loan a bit cheaper.