Financing with or without KFW124

Debts are also an asset. Repayment is credited 50/50. That was my last understanding.

Debts are for the house and you are the borrower or sole homeowner. That means the asset belongs to you. Your wife would have to laboriously fight for money.

No, exactly not, I think we have already discussed this topic here. I am the owner, however, the house or rather the apartment is paid for during the marriage, it gains an increase in value that rightfully belongs 50% to her. If I am wrong, something must be registered.

congratulations on the salary, I am also an engineer. 43, almost 18 years of professional experience. I can only dream of your salary. East, after all :- ( May I ask which region you work in and which industry?

congratulations on the salary, I am also an engineer. 43, almost 18 years of professional experience. I can only dream of your salary. Eastern part, after all :- ( May I ask which region you work in and which industry?

no one is forbidden to change the area or company....

In the east, different property prices... in Munich, you can easily earn six figures as well, but that doesn't make you any richer, to put it bluntly.

No, not at all, I think we already had this topic here. I am the owner, but the house or rather the apartment is paid for during the marriage, it acquires an increased value to which she is legally entitled to 50%. If I am wrong, something must be registered.

I am pretty sure you are wrong. Suppose you are listed in the land register and you get divorced in 20 years. Then the house still belongs to you and your wife to 50% of the increase in value (if any). You pay her out (50% of the increase in value), keep the house, and she is pretty much left with almost nothing. Honestly, I don't understand how someone could come up with such an idea when married. If someone brought a lot of equity, the distribution (e.g. 60 / 40) can be adjusted. But that your wife, who will likely earn about the same as you in the foreseeable future, voluntarily gives up her share, I cannot comprehend.

Regarding your original question: I would take KFW124 with me, or at least calculate it precisely. If your wife is lucky enough to become a civil servant after her studies, you will have enough money left for special repayments, so even higher interest rates after 10 years should not be a problem.