How quickly should one pay off a house?

And what exactly speaks against setting aside the remaining money and saving it? Then you can wait and see what comes up, what you might want to spend it on or not.

Yes, that is basically also my approach. On page 11, suggested thinking about how life would change in the short and long term if you invested 1,000 or 2,000 euros more in "quality of life." Over the past years, I have radically changed my inner mindset in the direction of being much more open to suggestions from others and also listening much more to what the majority (the majority of people with some knowledge of a subject) does. I actually see this as a positive development of mine; in the past, I tended to quickly put things in boxes and my opinion was my opinion (for example, I was already aware of Bitcoin well below 100 euros and at 100 euros I said: massively overrated, what is this nonsense? Why do we need another decentralized financial system... tulip mania etc. - or with technical topics where it was about developments in 3-5 years, I was usually the one saying - this won’t catch on, the current system works very well, etc.). I now want to be significantly (!) more open to external suggestions and not dismiss them right away just because they contradict my previous opinion. And I am also willing to turn my opinion 180° if necessary. Of course, in reality, that won’t happen that easily. But being done with financing a large house on the outskirts of a big city at age 43 is of course somewhat out of the ordinary, so this post is intended as a kind of reality check to see if we might still be missing some kind of consumption. And of course, I also tried to show what we are currently doing (house, 2 cars, travel, many activities and day trips) and what not (no expensive or new cars, for example), so that you might be able to respond more specifically – look at this or that area...

And if an unforeseen situation (illness, unemployment) comes up where it is urgently needed, you can remain financially relaxed and at least not have to worry about that as well.

In many respects, we tend to be security-minded already and I can only agree there as well. That is basically my opinion too. For example, investments: We just invest in a global ETF, do not try for excess returns, just get exactly the market return and that’s it. Friends gamble with individual stocks, partly with altcoins (i.e. cryptos outside the "mainstream" like Bitcoin or Ethereum). I would check my portfolio/crypto balance 10 times a day and go crazy.

You still have 7 years until you can cancel the contracts after full payout (is that correct?), a lot can happen until then. €220k is no small change for the theoretical savings rate of €2000-2500. With a €2000 savings rate it definitely won’t work. Currently, it only makes sense to deal with it if it is feasible or an edge case and you definitely want to go through with it, because otherwise it would not be implementable without external support according to current figures. Just check in 2-3 years how the savings account looks and then you can reevaluate the matter.

In my opinion, you are still too far away to complete the project within the special termination period.

In about 7 years the fixed interest period expires, then the €220k can either be extended (at market interest rates in 2031 of 1%-15%, anything is possible) or we give the money to the bank and that’s that. We have not agreed on any special repayments, but in return got a slightly better interest rate. We have a small, sufficient daily money buffer. The monthly savings rates go 100% into a global ETF. It might go well or not, I know. If it doesn’t go well, we’ll just have to agree on a 10-15 year full repayment loan again in 2031.

My Excel shows with €20k currently, 84 months, €2,000 savings rate with 2% annual increase (salaries rise, loan rate remains constant) and 7% return (4-5% return in the global ETF and 2-3% inflation, which in this case actually works for us) a final amount of €261k. Up to €10k taxes are deducted in the worst case, in reality with advance lump sum, distributions, etc. a bit less. Even with 3% return (0-1% real return over 7 years; 2-3% inflation) and 2% increase it just about works out (€219,700 final amount after taxes without considering the saver’s allowance).

My Excel currently says for 20k, 84 months, €2,000 savings rate with 2% p.a. dynamics (salaries increase, loan rate remains the same) and 7% return (4-5% return in the global ETF and 2-3% inflation, which in this case works for us)

Inflation itself helps you little, but only indirectly through salary adjustments.
So you have that twice in your calculation. At least if rising salaries mean something like collective wage increases.

In about 7 years, the fixed interest period will expire, so the 220k can either be extended (at market interest rates in 2031 ranging from 1% - 15%, anything is possible) or we give the money to the bank and that's it. We have not agreed on any special repayments, but in return got a minimally better interest rate. We have a small, sufficient overnight money buffer. The monthly savings rates go 100% into a global ETF. It can go well or not, I know. If it doesn't go well, we will simply have to agree on a full repayment over 10-15 years again in 2031.

My Excel shows, with 20k currently, 84 months, 2,000 euro savings rate with 2% annual increase (salaries rise, loan rate remains the same) and 7% return (4-5% return in the global ETF and 2-3% inflation, which in this case actually works for us) a final amount of 261k expected. In the worst case, up to 10k taxes will be deducted from that, in reality with advance lump sum, distributions and so on somewhat less. Even with 3% return (0-1% real return over 7 years; 2-3% inflation) and 2% increase it just about works out (219,700 euro final amount after taxes without considering the saver’s lump sum exemption).

The 10 years do not start from signing the loan but from full disbursement. That's why I ask.
For me, the signing was on 01/18/2018. The last full disbursement was on 11/11/2019, meaning I can cancel until 11/10/2029 and must have paid the due remaining debt 6 months later, on 05/11/2030.

Otherwise, everything sounds very contrived and like a best case for you. But it doesn't matter.

Inflation itself helps you little, only indirectly through salary adjustments. So you have that twice in your calculation. At least if something like collective wage increases is meant by rising salaries

I have nothing twice in my calculation. The remaining debt in 2031 is nominally fixed. The dynamics naturally result from collective wage increases (both in collective bargaining companies). The assumed nominal return is 7%.

The 10 years do not start from the signing of the loan but from full disbursement. That’s why I’m asking. For me, the signing was on 01/18/2018. The last full disbursement was on 11/11/2019, meaning I can terminate until 11/10/2029 and must have paid the due remaining debt 6 months later, on 05/11/2030. Otherwise, everything sounds very contrived and like a best case scenario for you. But it doesn’t matter.

The fixed interest period expires in 2031. The special termination right 10.5 years after full disbursement is significantly earlier, I am not referring to that. Have 1,x% interest fixed until 2031.