The 50k € home savings contract doesn't help you much with a 164k € remaining debt. The 3% repayment won't reduce it enough in 7 years for you not to have to worry about the interest. If you want interest rate security, then a new home savings contract, which, however, costs fees and won't be eligible for allocation for 7 years. Since I am a fan of stocks and if you can afford 5% interest in 7 years, at least short-term, set up a savings plan for an ETF.