My home financing 2025 is bursting against reality

600k minus 300k equity = about €1,250/month installment

The times when you could finance 300k with an installment of 1200 euros are over.

Oops, I have to tell my colleagues in the private customer sector that the business they are doing is actually no longer possible...

Jokes aside. The current conditions for the mentioned routes are just under 3%. With a repayment of 1.5% you end up at about €1,250-1,260/month. (with 1% repayment the condition doesn't change, but the rate drops below €1,200/month)

As you can see, financing is currently well possible within the range. If you want to repay quickly, of course it costs more. But that is not necessarily required.

If it is expedient to recommend someone keen on a button a financing with a repayment rate of 1%, then I am glad not to have been advised by your colleagues from the private customer sector =)

What does this have to do with being purposeful? And to whom are we recommending this? You flat out said: That is not possible. And I say: Of course it is possible and is done daily, you are wrong. I am not giving advice here, just correcting a false statement. Apart from that, 1.5% repayment with just over €1,200 and a term of just over 35 years is a perfect balance for people around 30 years old. Even full repayment of the financing by retirement is possible. And if not, so what? And why shouldn't the OP repay only 1%? If desired, the remaining 8 apartments will be sold later for €800k and the financing redeemed, lived for free, and the liquidity of €500k + X is spent. There are plenty of customers for whom 1% repayment on a financing is right. And there are plenty of other customers for whom that is not the case.

I don’t know which interest rates you are calculating with, but if I quickly want to calculate 300k with 1% repayment at Interhyp, I get a rate of 1,270 and at 1.5% at 1,375€