Opinions on my financing offer

I'll put it this way, you currently live rent-free and will first have to see what comes with homeownership. Given the income combined with the loan, I don't have any worries. Of course, you'll have to make some sacrifices if something does need to be done on the house. That will probably only be possible through equity and/or additional financing. I would advise you to save a "healthy" cushion for maintenance costs each month alongside the financing.

Otherwise, living rent-free also means that an inheritance will come at some point. Sounds silly but that's how it is. So it's fine.

1750€ monthly rate, the 1.28% remains fixed for 10 years (if I had gone for 15 years, the interest rate would have jumped to over 3%.

Strange bank. Your 10-year rate is actually very good. But that 15-year rate should be over 3%?!? For my 20 years, I paid 2.39% in mid-December

I was told that interest rates have risen a bit in the last few weeks, if I had made my inquiry about 4 weeks ago, I would have gotten an interest rate of <1%....so the absolute interest rate low was passed a few weeks ago. At least that's the info I received.

I think that is a rumor, interest rates have been rising since November. Below 1% only exists for extremely short terms.

Weird bank. Your 10Y rate is actually very good. But the 15Y being more than 3%?!? For my 20Y, I paid 2.39% in mid-December

I also find that a bit strange. More than 100% markup is kind of odd. We closed in September for 15 years at 1.3. So it should be possible. Maybe really get another offer someday.

It is pointless to ask other people about their interest rates (here 2.54 % p.a.), because other people have financed different properties at different times with different loan-to-value ratios and credit ratings.

In my opinion, you can only find out if you have a "good" offer by means of comparison offers.

In my opinion, you only get the answer through comparative offers.

If you now tell us where there is a 6% return ... :-)

6% return was still the minimum in recent years if you invested broadly diversified in stocks. BUT that is of course a completely different asset class, and that's where the catch lies. Because the return from lower loan interest as well as the return from special repayments are certainly not 6%, but they are guaranteed and also tax-free. Securing a safe investment with an uncertain asset class is (privately) stupid or professional level (arbitrage business). Ask the people who financed their real estate with unit-linked life insurance policies in the 90s...

The 10-year conditions look good in my opinion, especially in this constellation. Yes, the absolute interest rate low in summer/autumn 2016 has been passed.

6% return was

I actually wanted to know what I should do with 1000 euros today so that it becomes 1060 euros in one year*. Not what I should have done with 1000 euros a year ago ... But anyway, the question was more rhetorical ;-). * After taxes and costs.