Financing plan too unrealistic?

We have a 1.45% fixed interest rate for 30 years. The local bank with the red S is currently paying 1.5% on 10-year savings bonds. Our stocks and funds have yielded a significantly higher return than 1.45% since we have had them. I’m already looking forward to the Credit Agricole dividend, which is coming next week. The dividend yield here is just under 10%.

Why should I put a cent into special repayments??

You do realize that you are comparing apples and oranges (pre-tax/post-tax and risk classes) and how the dividend affects the price performance, right?

But of course, it always depends on the loan interest rate, the expected returns from the portfolio, and your own need for security.
I always ask myself with such things whether I would fully mortgage a paid-off property to buy stocks? Maybe I could handle a 20% or 30% mortgage, possibly even 50%, if the income would allow me to cover the payments.
But never fully mortgage it, no way. If you are convinced that the stocks will definitely beat the loan interest rate, economically speaking, you should fully mortgage it and repay as little as possible. Actually, that wouldn’t be a problem either since you have double value backing the loan from property value + stock value. Still, very few would do that, and I would be too scared to do it that way.

Since my remaining debt is currently less than a quarter of the original loan amount and about 15% of the current property value, I would have to stop making special repayments immediately. On the other hand, it also feels great knowing that I will be completely debt-free in 3 years.

With regard to the original situation of the OP, he would probably be quite far from your 1.45% over 30 years and much closer to my 2.9% from 2013.

Yes, I am aware of that. But since I don’t know enough myself, it’s okay for me this way. It’s definitely cheaper than the banks with their funds.

It depends on how you look at it. Compared to active Deka/Union Investment/... funds with a 5% front-end load and 1.5% annual fee, it is of course cheaper. Compared to a simple global equity ETF, it is very expensive. Oskar makes it look more complex through a long list of regional ETFs than it actually is. And the advertised points like tax optimization and rebalancing are much less relevant in practice than one would like to believe.

I am invested with a broker who has launched a product specifically for children, with the option to invest in different risk classes. The name of the product starts with O. It is clear that things look bleak at the moment, but the current losses are limited and better times will come again. The nice thing about a savings plan is that you can currently buy more cheaply and therefore shouldn’t worry too much.

I have learned from experience that you have to take care of your finances yourself. If you rely on others, you will be abandoned. It was the same with building a house. Probably a bit like that in every area of life.

If you refinance an already standing and paid-off house to "invest" in stocks with the loan, you usually won't get the current construction interest rate from any bank. It will be different...

If you refinance an already existing and fully paid-off house to "invest" in stocks with the loan, you normally won’t get the current construction loan interest rate from any bank. It will be different...

As far as I know, no, because what additional risk should the bank have to justify the higher interest rate? It doesn’t matter whether I pay a home seller for a real estate purchase, give the money to my child as a gift or loan for their own real estate purchase, or invest it in stocks. The collateral (real estate value) is the same in all three cases.
It’s different if you pledge a securities account with a securities loan.

According to my financial advisor, it is a difference. I have pledged my apartment for my house project (basically as equity procurement), and if I had written it down as free use, I would have received neither the amount nor the interest rate as we have now done with budgeting the entire project (The house or new plot is not collateral for the loan. There is a separate loan on it).