Is the interest rate for buying a house too high?

The topic of Baukindergeld is settled for us. But I'll do some calculations back and forth, maybe something useful will still come up. I already have a partial splitting through the KfW anyway, although I doubt I'll pay it off after 10 years. With the low interest rates, it's not particularly worthwhile to repay loans quickly when you invest the money at a higher interest rate.

With the low interest rates, it is not particularly worthwhile to repay loans quickly if you invest the money at a higher interest rate

If we were all like many here who always and again bring up this argument as a matter of course, so broadly invested in other investments with high returns/low risk, then everyone could pay for their house out of their petty cash and would not have to borrow money. But that is not the case.

But yes, everyone should do as they want and can.
For my part, I want to have paid off my house in 10 years so that I don’t have to worry at 50. My wife still has to do something for her pension anyway and I’ll go golfing then.

I know and I also keep getting annoyed that I didn’t take care of my finances beforehand. There was always enough money to live on and every month there was also enough left over. There were no real saving goals (a year and a half ago I was still toying with the idea of a camper van, good thing it turned out to be too much money for me...). But it wasn’t invested sensibly, otherwise I would have a lot more available now. However, that doesn’t mean that I want to repeat the mistake now and invest my money poorly again with special repayments at 1%.