Tassimat
2020-10-06 12:44:04
- #1
Ask your advisor where he sees interest rate jumps and invest that much equity. I personally find a fixed interest period as a combination of 10 and 20 years reasonable.How much equity would you invest? 10%? 20%? Fixed interest period 10, 15, 20 years?
That may be the case, but it doesn't have to be. Stocks have been very volatile in recent years.Actually, wouldn't it be most sensible to use as little equity as possible and rather invest the excess equity in the stock market, since returns > interest rates, right?
Partly yes. You don’t need the repayment-free year. But you don’t want special repayments either, you prefer to gamble on the stock market. Otherwise, there would be other loan components that allow special repayments. So the only remaining figure is the interest rate. Take the one where you come off cheaper; you probably don’t need flexibility with such small volumes. You have a cheap property, a decent amount of equity in relation to it. If your income fits as well, then nothing can go wrong. Very nice.At the bank, the guy said that the KFW loan (100,000) with 0.84% is not really worthwhile anymore because it makes you inflexible (no special repayments, 1 year repayment-free period) and that most people currently don’t take it anymore. Do you see it the same way?