Where is it actually written that you must have no obligations until retirement? Yes, it would be comfortable. But someone whose pension will be higher than many people's income can also afford to pay off €200,000 residual financing until 70/75.
If you start late, you just stop a bit less comfortably. Who cares?
This is not to say that I see everything here as being fine.
Personally, I think a lot doesn’t add up. To me, the value of just under a million for a condominium is too high, no matter how big it is.
Then I’m somehow missing the cost breakdown... mobility, etc.
And: am I calculating correctly with just under 2% repayment? Dude, that’s nothing for the loan amount. You have to put everything into it, otherwise it won’t work.
Where does your money even go? The savings rate isn’t that high... sorry, that had to be said.
But: where did the OP actually go?