Is property financing feasible?

Good morning,

Yes, early repayment is still a point I need to address. We have a final meeting with the bank tomorrow afternoon where I want to clarify this. I think it won’t be a big issue in the first few years, as I first want to build up a financial cushion for new purchases / renovations, but the option to make an early repayment should still be available in case of unplanned inflow of money (such as [inheritance] or salary change) to be able to pay down the loan earlier.

In principle, I can understand that you are concerned about whether everything will work out. After all, that's quite a chunk of debt. However, I agree with the others: your conditions are great. And if you have a reasonably sensible lifestyle, the financing should be manageable with one salary and children without any problems. But as Jochen104 already wrote: I would also have a 20-year fixed interest rate offer made and compare. If you can increase the repayment a little bit because of this, any remaining debt after 20 years would be so small that it probably wouldn’t cause you any problems, even in the worst case.

Yes, of course you always wonder with such a sum whether everything will work / can work. Basically, I also have a good feeling and unforeseen events can affect us all.
I will address the 20-year fixed interest period tomorrow. Once with the remaining debt at the same repayment rate and once with a change in the repayment rate for full repayment within 20 years. Thank you very much for your support.

Hello everyone,

so we went to our financial advisor again and he will prepare a corresponding offer. What I could take away from the conversation today:

The 25-year fixed interest rate at 2.57% is financed through an insurance, as banks no longer offer this. He will also prepare an offer from a bank with a 20-year fixed interest rate with the corresponding remaining debt.

Can you explain the advantages and disadvantages of financing between insurance and bank? Or is there none? Thank you very much

Is there no particular difference

Hello,
Thanks first of all.
No special one / or none that I have to worry about?