It doesn't work without equity - experience!

I don't know what you tense people have....we finance 360T at a net 4300....and are completely relaxed

We make 400,000 euros with a net income of 4,500 euros from one full-time and one part-time job. 200,000 euros was our equity and we are also relaxed.

I don’t know what you stressed people have going on....we finance 360T with a net of 4300...and are completely relaxed

That is probably always a matter of personal feeling. By nature, I am more like Kisska86. I am not a "loan type" at all and am glad when the house loan is paid off - then I am relaxed. I have never had a loan before and I also hope that I will never need another loan. Even if, in the "worst case", nothing can really happen to us, the thought of having "debt" always remains in the back of the mind. But everyone sees that differently and that’s okay.

Due to my job (formerly a mortgage consultant), I have had to experience so many fates... And we were also raised to believe that taking out loans and having debts is simply not good... No idea... I hope we will have paid off the place in max. 15 years and then I will be relaxed...

Although I can somewhat understand your thoughts, in my opinion you should free yourselves from the guilt!

Anyone who has concluded a solid real estate financing is not a debtor in the classical sense. You have a value in contrast to people who take out loans purely for commercial purposes!

And should complications still arise - who knows what will happen tomorrow? - it is indeed tragic, but not the end of the world. The supposed debts are covered by the property; of course, only if the sky does not fall on your head

Rhineland greetings from the road
[Bauexperte]

Maybe we're just a different generation, we're young (26 and 28), will have paid everything off in 25 years and can still really enjoy ourselves long before retirement age. If anything happens, we are well secured in every direction. We see a loan more as a temporary loan, where by repaying it monthly we are essentially putting money into our own pocket. In our area, you pay 1100€ cold rent for a 90sqm apartment... we just don't accept that. We completely lack the mindset of "Oh no, we have a loan running!" Rather, it's "Yay, I'm building wealth and not lining a landlord's pocket, but mine!"
I do understand your point of view though... still remain extremely calm about the whole thing.