Is this financing okay?

I also wonder why someone with such a high income has no equity and whether they might be overextending themselves a bit with a used property. A purchase is often not enough. What are you currently paying for [Warmmiete]?

I would advise you to get an intermediary and offer at least 15-20 years.

Hello, good day and thank you for the many helpful answers. Lack of equity has reasons (have only been earning well for a short time, increase to 6.5 net by 2016 at the latest, possibly a bit more, previously a different life situation), the current rent including heating is 1400. We now have an offer with 1.62% over 15 years, we were able to accelerate the repayment of the more expensive loan as recommended. Additionally, we have a building savings contract with which we can finance about 100,000 at 2.25% follow-up financing. Monthly burden overall under 1600 euros. The job is crisis-proof, I see no problem there. With the least assumed special repayment of 2000 per year, we would have a maximum of 30,000 that would somehow have to be refinanced differently. My colleagues with comparable income laugh at my concerns about such sums and make special repayments of 5000-8000 every year and could partly do more. Greetings and I look forward to any further tips.

- 50 kEuro via KFW at 1.45 %
- 155 kEuro at 1.34%
- 185 kEuro at 1.91 %.

The loan of 155,000 Euro has a lower interest rate than the KFW loan. Usually, the bank is fully liable for the KfW loan, so why doesn’t it offer 155,000 Euro + 50,000 Euro = 205,000 Euro directly at 1.34 % p.a. effective? More details would be helpful in this regard.

Otherwise, this sounds unbelievably good to me! In autumn 2014, I had a mixed interest rate of about 2.5 % p.a. effective for a somewhat similar situation (very high loan-to-value, used house). Unfortunately, the purchase did not go through ... Well, from the perspective of interest rate development :-).

The higher the income, the less crisis-proof jobs usually are. But maybe you are a civil servant ... In general, I find it at least courageous and would, in the first five years, pay extra on the loan like there’s no tomorrow, to reduce the outstanding debt significantly below the value of the asset. So make sure that sufficient prepayments are possible! As already mentioned, naturally, the most expensive loan should be repaid first!