House construction too expensive - Stop building?

As many have already told you here, at this point you have no other choice anyway: you have to finish building now, everything else will end in financial disaster. First, make the cabin finished / livable and then see what to do next... you will get used to all these sums that initially cause panic, I would bet my life on that....

You have to let it sink in for a while, but it's true. Unlike the tenant, who has to build up their wealth alongside paying rent, you build wealth with every repayment rate in your own home. It would also be quite nonsensical to accumulate tens of thousands of euros alongside the loan; it's better to put that into repayment.

Well, that’s not really true anymore in the current situation. Even without risk, there are now many scenarios where making special repayments (GUARANTEED!) does not pay off. Example? I financed at 1.21%, and now I prefer to invest the special repayment in fixed-term deposits at 1.35% for one year. This makes me more flexible and I even make a profit. And that without risk. edit: We don’t even want to talk about the other investment opportunities that involve risk.

Example? I financed at 1.21%, and now I have preferably invested the special repayment at 1.35% in fixed-term deposit for 1 year.

I don't want to contradict you fundamentally, I have repeatedly brought up such examples myself.

In your case, however, I would like to point out that the special repayment is tax-free, the capital gain is not, provided allowances have been used up.

Example? I financed at 1.21% and now prefer to invest the special repayment in 1.35% fixed deposit for 1 year. That way I am more flexible and even make a profit. And that without risk.

I would never think of that in my life. I just can't imagine that the € will lose only 7% of its purchasing power in the next 5 years.

That would never occur to me in my life.
I just can't imagine that the € will lose only 7% of its purchasing power in the next 5 years.

To what extent does the loss of purchasing power have anything to do with this?
(My question here was simply about what one can do if one wants to make special repayments; whether and to what extent special repayments make sense is a completely different discussion)

In your case, I would still like to point out that the special repayment is tax-free, the capital gains are not, provided that allowances have been used up.

Oh thanks! Good point, I hadn’t considered that at all!

Well, in the current situation, that is no longer true. Even without risk, there are now many scenarios where special repayments (GUARANTEED!) are not worth it. Example? I financed at 1.21%, and now I prefer to invest the special repayment for 1.35% in a 1-year fixed deposit. That makes me more flexible and I even make a profit. And that without risk. edit: We don’t even want to talk about the other investment opportunities with risk here.

Phew, what are we talking about here? Interest difference (1.35% - 1.21%) = 0.14% With an assumed loan of €600,000, 5% special repayment that’s €42 profit for the year or €10.50 capital gains tax in a worst-case scenario. And to find a fixed deposit provider for that, sign contracts, do Post-Ident, transfer back and forth, etc.....?