For how many years of fixed interest period would you currently finance?

That’s all pointless.

Those who have a short fixed interest period mock those with their 30-year fixed interest period. Money is being thrown out the window here with the motto.
But actually, people are annoyed that they were so stingy back then.

If someone is afraid of an interest rate increase (like me), they should allow themselves the security. And if you don’t care that the rate increases by 50% with the same repayment, then just take the cheaper option.

We’ll talk again in 10 years.

Maybe I would also be called overinsured, but I’m more like a civil servant, even though I’m not one.

I feel comfortable with it.

No one knows what will happen. In the end, it can be like with the Telekom stock. Or you have simply bought too much security with a long fixed interest period.

Both camps have valid arguments; in the end, the remaining amount should be kept within limits after the end of the fixed interest period.

Actually, I would mock the 30-year fixed interest rate here, although I accept any other opinion. I want to pay the bank as little money as possible. But when I read here about 30 years and a bit over 2% and then see my 10 years with 2.05%, I really have to say, not bad. At the time I took out my loan, 30 years or full repayment was definitely debated at 3.5% or more, and I would never have paid that in my life.

in how many years are you allowed to renegotiate your 2.05%? : )

In October 2025. That is, completed in October 2015. That was actually just before interest rates dropped significantly again. The funny thing was actually that with the 2.05% I felt like a king because many others still had 4% or more interest. A year later I would certainly have gotten something under 1.5%. It can happen.

In October 2025. Meaning completed in October 2015. That was actually just before interest rates really went down again. The funny thing was that I felt like the king with the 2.05% because many others still had 4% or more interest. A year later I would certainly have gotten something under 1.5%. It can happen.

...and when did you start repaying?