How much remaining debt at 46 is okay?

Just be sure that nowadays it is hardly possible to pay off a nice property by the age of 50 AUS EIGENER KRAFT (and that does not include any inheritance).

If we hadn’t built, our current house would have been paid off by me at 43..

And we didn’t inherit anything.

For the new house, after 10 years we will have a remaining debt of about 78k, then I would be 49 and my husband 55.

But honestly, we don’t care.

We follow the same plan as ..

If we hadn't built, then our current house would have been paid off at 43 for me.. And we inherited nothing.

yeah....of course it's my own fault to make such a provocative statement. Of course, the counterexample comes immediately. That's why I also wrote "hardly possible." And I also wrote "nowadays." When did you buy yours? And by "nice" I meant: a somewhat sought-after area with a house that doesn't consume all your free time for renovation. Nothing against those houses. You can have a ruin from Mecklenburg-Vorpommern paid off within 5 years. But that's not what most can and want to take on.

yes....of course it's my own fault to make such a striking statement. Naturally, the counterexample comes up immediately. That's why I also wrote "hardly possible." And I also wrote "nowadays." When did you buy it?

My answer was not meant to serve as any kind of "counter," merely as an example of the part of those who are not included in the "hardly possible" ;) We bought it in 2015.

At 46, I will feel like I still have a remaining debt of €350,000. The loans are split into terms of 10 years, 15 years, and 20 years.

I don’t know the exact amount of the remaining debt, but I also don’t feel like checking. My strategy is to have everything paid off a few years before retirement. This will work without ETF gambling or anything like that, which would then be a bonus. Even the university studies of my four children won’t be able to ruin that plan. I am very relaxed about it.

We bought it in 2015.

As crazy as it is: with the current dynamics, a purchase date of 2015 is no longer "nowadays" for me.
Anyone who started from scratch in 2015 faced completely different numbers than someone starting today.

The base interest rate was already practically 0% back then. But the costs were significantly lower. Instead of 550,000 EUR, we would have paid just under 370,000 for everything. This can all be well traced based on land prices and price tables from our construction company.

With the same repayment, that makes a difference of 180,000 euros in the remaining debt at the end of the fixed interest period.
What lesson should one draw from this comparison? Add the 180k difference on top of the fixed interest period?!

With the same repayment, at the end of the fixed interest period there is suddenly a difference of 180,000 euros in the remaining debt.
What lesson should one draw from this comparison?

I already said, this leads nowhere here… that in any way helps any builder in any form.