Financing with grace period loans + building savings contract

It would be great if you start to justify your statements a bit (preferably with numbers!)! With 2% initial repayment, you are usually done after 35 years at the current interest rate (~2%). At 31 years old and a retirement age of 67, there is initially a one-year buffer, purely mathematically!

I agree with you here.

Basically, you can also sell houses again if things get tight, but especially in rural areas where land is so cheap, it can sometimes be difficult to sell a house again at a good price.

So in 3-4 years kids will come, it will get even tighter. And we already know that you won't be done until 66. How does disability insurance look? What if you become unable to work? Unfortunately, that's another financing that is calculated too tightly. For comparison, I started at 31 and finished at 51. The loan fits the income. No early repayment necessary.

Hmm, none of these statements refer to the 2% initial repayment. Apart from a few years, there really aren’t any additional infos for the OP. That you manage it in 20 years is of course great! How did you do that? BU etc. is of course a general topic and always worth considering!

How about disability insurance? What if someone becomes unable to work? Unfortunately, that's another financing aspect that's calculated too tightly

Well, such general life risks are always hard to cushion. You only solve it by selling the house. In rural areas, with that income, personal bankruptcy is then preprogrammed. Even with a smaller house. I think the thread creator is aware of that or doesn't care. He can't change it if he wants to have a house.