Is project ownership financeable?

Hi, even if you didn’t want to hear it / or no longer wanted to address it and I don’t know your strategies, with investments in the stock market you make more than the ~1% that you pay at the bank. I will only use a minimum of equity in my new build and let the rest keep working! Just a small impulse, maybe to think in that direction after all. Otherwise, you have solid finances, others finance completely different house of cards. Have fun and success with your project!

This was already done in the 90s through life insurance policies (repayment substitute products) and people took a big hit. Use healthy equity and amortize appropriately >3% p.a., the rest can be in stocks if you like. But not everything in stocks. Be aware that you are investing in the stock market on credit. Any experience with leveraged products? I myself also do not make special repayments but instead top up the portfolio, but I started with 20% equity and the amortization is not at the minimum and I have 20 years fixed interest. That means enough security to be invested elsewhere with the remaining surpluses as well.

By the way, the hint from is absolutely correct that money which is now meant to serve a specific purpose should be withdrawn from stocks.

The last years spoiled us investors extremely. It has been going on like this for 10 years now, with minor setbacks. Most people don’t even know what it feels like when it goes the other way. The perseverance slogans (just ride out the lows) are taught in theory but have not yet been lived in practice...

Have experience since '99 and have gone through 2 crashes with it, work with options and leverage as well as various stock strategies... but that would go way beyond the scope here. Back to the roots - it was a mistake to emphasize that again, it’s just my experience, don’t know how skilled the thread starter is. In summary: financing is solid and the thread starter has to consider how much risk they want to bear.

I have experience since '99 and have been through 2 crashes with it, work with options and leverage as well as various stock strategies... but that goes way beyond the scope here. Back to the roots - it was a mistake to emphasize that again, it's just my experience, don't know how knowledgeable the thread starter is. In summary: financing is solid and the thread starter has to consider how much risk he wants to take.

Then it's okay. We live in times when even BILD recommends investing in stocks (ETFs). You know what that means

I know the need to share is always great when you feel addressed by a topic. But I did not ask for investment advice. I do not intend to leverage on the stock market. Thanks for your effort, but then just let the thread die if this is now the central topic here. Then I'll tackle the topic of [ETW & Finanzierung] in reality.

Well, we are in a financing thread and the composition and contribution of equity capital are an essential topic of discussion here. If you had 50,000 in a building savings contract or 100,000 in cars but nothing in your pocket, we would address that just the same.

A forum is also about give and take. Some thread starters only want to take. In doing so, they forget that commenting users also have an interest in the discussion. Generic cases that are posted anew every day and could actually be quickly clarified via Google are not very appealing.

Understood, your contributions are also not uninteresting in this regard. But only contributing equity capital at the minimum level and investing the rest in stocks is not really viable with a family behind you. I currently see it rather in black and white. Either one or the other. Especially since, given the real estate prices, not much equity capital will be left, according to the assumption. But then the banks will really have to help here by showing the borderline interest rate.