Financing - Equity / Debt ratio - Optimal structure?

  • Erstellt am 2020-10-06 07:34:31

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. That may be the case, but it doesn't have to be. Stocks have been very volatile in recent years. 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.
 

BackSteinGotik

2020-10-07 20:00:07
  • #2
Somehow, basic data like household income and surplus are missing here..

As such, this loan amount should absolutely not be a problem with better income. Calculate for 15 and 20 years, with 3% repayment.
100,000 euros, 20 years - 1,000 euros monthly. Sounds doable.
 

Scout

2020-10-07 20:21:08
  • #3

Just between us two monastery brothers: on the open market, the house near Stuttgart would easily fetch €200,000 to €300,000 more, correct? This is just a friendly price. Your lending value may nominally be 90%, but in fact the bank goes and does its own appraisal. And then it only lends 60% of the internally estimated value. That means if you get a interest rate made for 10% equity contribution, someone is rubbing their hands because from the bank's point of view the deal is risk-free with around 60% lending and should actually be priced with the "from" interest rate from the storefront advertising.
 

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