Own home: interest rate development / interest rate / interest rate increase / conditions

So we are also still almost in the group you described (with the salary having 2 more or less full earners at the upper end and the loan about in the middle) and plan for everything to be completed in 15 years - whereby we are also paying off overall at 6%.

So we are also still almost in the group you described (with the salary having 2 more or less full earners at the upper end and with the loan about in the middle) and we plan for the whole thing to be completed in 15 years - whereby we pay off a total of 6%.

Yes, the whole thing sounds good, which of course still depends on the equity you bring in, then the situation looks different. Do you have children or are you still childless? That is also a factor.

2 children - and we were just lucky with a half-inherited property.

2 children - and we were just lucky with half an inherited plot.

Yes, you have to be lucky. No, it's actually a great start for a new build.

whereby we repay a total of 6%.

I would also like to be able to do that... You can now choose whether it is the income or the equity that is lacking, or whether the manufacturing costs are too high or the expectations (Nevertheless, I am satisfied with the expected calculated term of about 25 years without special repayments in our case. It's fine.)

Yes, I agree completely. 25 years should be the maximum and then work with special repayments, maybe then you can manage 20 years. And if there is still something left, you can set a fixed term for another 5 years after 20 years, that won't cost the earth.