House construction too expensive - Stop building?

Uff, what are we talking about here? Interest rate difference (1.35% - 1.21%) = 0.14 %

We are talking about not giving the special repayment amount (in your example 30k) to the bank forever, but being able to decide its use anew every year (whether for a special repayment, for a new luxury wristwatch, or the replacement of the commuter car after an unplanned accident). And then maybe even at 2% in one year? Or at 3%? Or invest it for 3 years, then you’re already at 1.7% today. Especially right after the construction phase, at least my buffers are quite small. It feels good for me to know that in a year I could still use the money again if necessary. And if I don’t even bear a risk, all the better. I don’t even want to rant against special repayment, just wanted to open eyes again that depending on the situation there are now RISK-FREE options that are better than special repayment.

Uff, what are we talking about here?
Interest rate difference (1.35% - 1.21%) = 0.14 %

With an assumed loan of €600,000, 5% special repayment, that’s a profit of €42 per year or €10.50 capital gains tax in the worst-case scenario.

And to look for a fixed-term deposit provider, sign contracts, do Post-Ident, transfer back and forth, etc..... ?

Which then get eaten up by inflation… but I have it easy to say, my special repayments from the last 4 years are just sitting in the account because I prefer to have the amount here in case something happens, rather than tied up… but I have saved them so that I can fully repay the first of my two loans that ends after 10 years….

Which then get eaten up by inflation … but I have it easy to say, my special repayments from the last 4 years are just sitting in the account because I prefer to have the amount here in case anything happens, rather than tied up … but I have saved them so I can fully pay off the first of my 2 loans, which ends after 10 years ….

4 special repayments just lying around interest-free? Uff, what would have to happen for you to need that much money? I can only imagine scenarios where the money hardly has any value anymore ...

4 special repayments just lying around interest-free? Uff, what would have to happen for you to need that much money? I can only imagine scenarios in which the money hardly has any value anyway ...

And you find such scenarios far-fetched in current times? I don’t. My MSCI World is in the red and I have no desire for the 30K to then be gone. There are only 6 years left until I need the cash. I’d rather buy an RV that I’ll use for a few years with that money and then sell it in time… and we have a bigger legal dispute regarding the house … I don’t really see the point of putting it into a savings account or something similar now either.

Uff, what are we talking about here?
Interest difference (1.35% - 1.21%) = 0.14%

With an assumed loan of €600,000, 5% special repayment means a profit of €42 per year or €10.50 capital gains tax in a bad scenario.

And for that look for a fixed-term deposit provider, sign contracts, do Post-Ident, transfer back and forth, etc.....?

Wouldn't one have to correctly calculate how much interest payments I saved with the special repayment? The interest burden continuously decreases then as well.

Wouldn’t one have to correctly calculate how much interest payments I saved with the special repayment? The interest burden then also continuously decreases.

That is not necessary at this point. When investing as a fixed-term deposit, you then invest correspondingly more principal in the 2nd year and then get the compound interest effect on the investment.