Financing Single-Family House 190 sqm - Loan Choice / Feasibility

And then you won’t go part-time because after the full repayment you still want to build a buffer. Then you want to build another buffer for the child or possible studies and suddenly the child is already out of the house and has no interest in having the parents around anymore. And then part-time doesn’t pay off anymore because you want to build further reserves for old age and there is no longer any reason for it...

The main thing is that you have a proper buffer when concluding the loan agreement. I would plan for 15%.
Then seal the deal, most home builders have to tighten their belts in the first few years anyway

The main thing is that you have a proper buffer when concluding the loan agreement. I would plan 15%. Then seal the deal, most home builders have to restrict themselves in the first few years anyway

exactly, have the architect include a sample buffer of €25,000 or more directly in the cost estimate. if other trades end up being more expensive in the end, you can draw on it, but it is better than having to refinance later. and actually, €25k is too little today, better even more. Or leave a buffer of €20-30k from equity in the account.