Financing monthly installment €2500 with 40 years term

You can do that later as well. It’s called repayment rate adjustment. Close now with 3% repayment and secure a low interest rate. Then immediately adjust to 1% (not every bank allows 1%, so be careful). And as soon as it fits permanently, increase it again. Or alternatively, plan special repayments. But be careful there too, as these often get spent on vacations or similar. This is more the rule than the exception.

Biggest nonsense. There’s only one winner, namely the bank! They’re happy to have a solvent debtor who only repays 1%.

Wonderful

biggest nonsense. There is only one winner, namely the bank! They are happy to have a solvent debtor who only pays off 1%.

Well, I give advice that matches the OP's wishes. Not to satisfy you. If the OP wants to pay a lot of interest over the term because he wants to live very well in parallel, then so be it. You don't have to call that "nonsense" right away.

Well, I give advice that fits the wish of the OP. Not to satisfy you. If the OP wants to pay a lot of interest over the term because he wants to live very well in parallel, then that's how it is. You don't have to call that "nonsense" right away.

And I am more of a challenger and say the opposite. All these discussions and advice like "yes, do the special repayment," "great, you have repayment rate changes and then also sometimes increase to 2 or 3% repayment rate." No, nothing will ever happen there. You have to get used to the rate at the beginning and stick to it. Any attempts at repayment later will fail. You accept the term. It's crazy to finance for 40 years.

It's madness to finance for 40 years.

And why. We finance for 25 years. However, I am 44. So also until almost 70.

And I am a banger and say the opposite.

But that doesn't mean you know anything about construction financing ;) By the way, I do too – since the last century in real estate financing.

No, nothing will ever happen there. You have to get used to the rate at the beginning and stick to it. Any repayment attempts later will fail. You accept the term. It is madness to finance for 40 years.

I also wrote that from experience, the money from the special repayment is often used for other things. So the OP is warned. And once again: Why is it madness to finance for 40 years? So far you have given no argument, but just spat out your very personal opinion. You can do that, but why should anyone care if you just blurt it out and don’t argue.

Phew, another thread where I just shake my head...

Just under €7,800 (I think the child benefit is added on top) per month with secure salary increases, and then people worry about a €2,500 installment or don’t want to do more because they still want to "live"?!
I agree with the others here, it sounds extremely arrogant and provocative.

We don’t have a six-figure salary and are currently planning financing with a €2,300 installment. That would be absolutely no problem and we live very well.

What does one do with €5k per month?! Especially since you currently only live in an 80sqm apartment... what should that cost?!
Is something being "kept secret" here? Why worry about that?

My opinion: Panic is completely unjustified here. Increase repayment (as others have already said here) and look forward to a nice house.