Financing | Single-family house | Feasibility | 2nd rank

At the beginning, take more capital gains and over time less and less.

Are they safe? Given the current levels on the stock markets?
I am not against ETFs. But only if you leave the money for 10 years or more. Definitely not for monthly income or regular withdrawals with planned capital preservation.

Is the return better than renting out?

Sort of. Compared to rental yields, yes at almost any time. If you include value appreciation in metropolitan areas, then no, sometimes even multiple times and over longer periods.

Are they safe? With the current levels on the stock markets?

Only death is certain. If I need more security, I just invest 280k and leave 20k in the account. Then I already have a 2.5-year buffer for the installment. You can definitely take profits at times. As I said, in my opinion, as a private person, you can do something like that. But you can also continue renting out the apartment. There's nothing against that either...

Lol. And with that you get €650 cash in your pocket every month?

I think it's great that the suggestion is to pay the monthly installment with ETFs. Good thing you are your own financial advisor, otherwise you would have been bankrupt a long time ago with such investment strategies because most of your clients would sue you.

There are ETFs that distribute quarterly, you should know that. The stocks can simply bring 3.5-4.5% gross dividends and the rest is done by the ETFs...

Why kill the goose when it lays eggs?

Only death is certain. If I need more security, I just invest 280k and keep 20k in the account. Then I have a buffer of 2.5 years for the installment. You can definitely take profits sometimes. As I said, as a private person you can do something like that in my opinion.

We are talking about structuring a financing so that the installment is (at times) paid from the monthly returns. It's kind of strange. With many feasible financings, there's a big outcry. Too dangerous. Risk. What if. Etc. But an ETF investment for monthly returns is praised. That is and remains an investment with high risk. Sometimes it's really strange here.

It's already strange. With many feasible financings, the outcry is loud. Too dangerous. Risk. What if. Etc.

Here we agree. It probably has to do with the dogma that the installment must not be more than 1/3 of the available net income, which is preached everywhere.

Here we agree. It probably has to do with the dogma that the rate must not exceed 1/3 of the available net income, which is preached everywhere.

Unfortunately, this is not a dogma, but the reality for anyone who has less than 7, 8,000 EUR net.
What used to be easily manageable with 1% interest and 5,000 EUR net, without having to scrimp, is already challenging today with 3.5% interest and 20-30% higher costs for food, etc. even at 6,000 net...
I don't believe for a second all these calculations here with 8 EUR/person/day for food, drinks, drugstore items...

Whoever wants to give up everything in the end and live off clothes from the 2nd-hand bazaar and special offers at Lidl... fine...

And whether you prefer to put your 280k into the ETF or pay off your place with it.
I do know some who lost their funded retirement provision during the financial crisis back then.
The USA is practically bankrupt, it could blow up any day now. I'd rather put it into the house than try to live off the returns.