Financing with future payment

2 small condominiums for 100k? Where is that available in Germany? If I search within a 50km radius, I only get one offer for 100k and that is then a 24sqm 1-room apartment and yes, not even the additional costs included, let alone the 2nd apartment :-(

No, the ETW shall be financed using the 100k equity contribution as leverage.

No, the condominiums are to be financed using the 100k equity contribution as leverage.

Yes, exactly. Thank you for the correction. I did write: depending on the region. Or a garage park, or ETFs, or, or. But these are all long-term investments where you must not be dependent on the money.

Thank you for your interesting discussion. I actually think that special repayments are the best solution. We will start here and have the banks calculate the effects of the higher interest rate with 10% special repayment on the reduced outstanding balance. Alternatively, I think we should still discuss options (except for Bausparer) to invest the money sensibly over 10 years so that the remaining balance of the KFW loan can be (almost) paid off with it.