Financing over 10 years with 5% special repayment

Because I simply want the greatest possible flexibility over the next 10 years. A higher repayment does not bring a better interest rate, so I see no benefit, only obligations.

There is nothing wrong with that. Personally, I also don’t need artificial pressure through repayment to save up a five-figure special repayment. If I had had the choice, I would have done it that way as well. At least that was the plan. Unfortunately, the bank did not go along with it.

Because I simply want the greatest possible flexibility over the next 10 years. A higher repayment doesn’t bring a better interest rate, so I see no benefit, only obligations.

The problem is that we are all just human, who sometimes like to give in to some small consumption. And you excuse yourself with “but next time I’ll be more disciplined” or “skipping once doesn’t hurt, then the next year all the more.” But that doesn’t work if you’re honest. Give every person some flexibility and it will be exploited endlessly.

I have to admit that I also had to gulp a bit at the construction sum, but I saw good equity and a good salary. Still: in relation to the construction sum, it is then considered relatively low again.
May I ask how the over 900,000 construction costs come about? How expensive is the plot? How expensive is the house? I don’t see any golden faucets with that salary.
And increasing the second income is also initially off the table with the second child.

In the present case, due to the loan amount, the option to reduce or suspend special repayments is hardly usable without harming oneself. So one buys the illusion of flexibility for lack of external discipline.

The problem is that we are all just humans who like to indulge in one or another small consumption now and then. And we excuse ourselves with "but next time I'll be more disciplined" or "one time off doesn't hurt, then even more next year." But it doesn't work if you're honest. Give every person some flexibility and it will be exploited endlessly.

I have to admit that I also had to swallow a bit with the construction sum, but I saw good equity and a good salary. Nevertheless: in relation to the construction sum, it is relatively low again. May I ask how the over 900,000 construction costs come about? How expensive is the plot? How expensive is the house? I don't see any golden faucets with that salary. And doubling the second income is off the table with the second child at first.

On the subject of consumption and discipline, I agree with you. But I still firmly believe that after repaying €20,000 in bedrooms per year with €5,000 per month, we can also treat ourselves to one or another small indulgence...

It's just a thing when the colleague spends 2 weeks in the Maldives with the bonus and buys a new E-Class, and you yourself just transfer money from left to right. Then there's a must here and a must there. And the neighbor has a nice whirlpool out there, man, that would be something ... That's how it is with good intentions.

Regarding consumption and discipline, I agree with you. But I still firmly believe that after paying off €20,000 and with a bedroom at €5,000 per month, we can also occasionally treat ourselves to one or the other small luxury...

That reads a bit cheeky. In combination with the missing answers to my questions, I see that you still don’t understand it. We are two people, and in our first two years every euro went into some kind of crap: that then had nothing to do with consumption anymore when washing machines, vacuum cleaners, etc. had to be replaced, garden tools and dozens of trees emptied the account. It had to be! not: it could be.

But if you think so, then go ahead. I don’t believe that your calculation from the WWW calculator will be accepted as is anyway. That has never worked for anyone. In this respect, if I were you, I would first take care of an offer that provides a realistic basis for discussion here.

And even there the question is asked, in what ratio the house stands to the land. If you don’t reveal it here, it’s hard to advise. Otherwise: you can always build cheaper. Good luck.