Repayment options for risk-averse people

You were the one who only repays with 1…2% and invests the money in safe investments. Haven't found any yet? Weren't ETFs on the agenda?

Keep in mind, with €500 p.m., so €6000 p.a., you might get €200 interest income.
A €400k loan costs you €4000 interest p.a. in the beginning :D

You were the one who barely pays off with 1…2% and invests the money in safe investments. Haven't found any yet? Weren't ETFs on the agenda? Keep in mind, with €500 p.m., so €6000 p.a., you might get about €200 in interest income. A €400k loan costs you €4000 in interest p.a. at the beginning :D

It will be 2.8% repayment. Payment is €1800 with €396 interest and €6,600 net household income. Keep in mind that the interest rates on the mortgage financing fall from year to year, but the interest income rises from year to year...

Just go to your local banks and ask about the different options for fixed-term deposits and similar products… it was quite a few years ago, but my former landlord wanted the deposit to be held at the local savings bank. They then offered me a top interest rate (or something similar), basically a savings book for 7 years with fixed, increasing interest rates. In the first three years, you got something around the fixed deposit rate valid at the time, 0.8-1.0%, and then it increased further; in the seventh year, I believe there was a guaranteed 3.5%. When the seventh year came around, there was the 3.5%, whereas for fixed deposits, there was no longer anything like that. I don’t know if this product still exists, but something like that obviously doesn’t appear in any Check24 comparison… so it’s best to go to the branches and get informed. As mentioned above, don’t forget the withholding tax; you also have to earn that first. PS: of course, you can also buy bonds directly, but at least the 10-year government bonds are not yet at the interest rate you need.

A few more points:

1) Capital gains tax: if you don't have any other investments, you can of course first use up the allowance

2) Foreign banks: Your deposits are legally protected up to 100,000 per account and person. I just did a comparison on check24, for example, a bank from Estonia offers 2% p.a. over 10 years. These are protected up to 100k. If you want to invest larger amounts, you have to open another account at a different bank.

A few more points: 1) Withholding tax: if you have no other investments, you can of course first use up the exemption amount 2) Foreign banks: your deposits are legally secured up to 100,000 per account and person. I just did a comparison on check24, for example, a bank from Estonia offers 2% p.a. for 10 years. These are secured up to 100k. If you want to invest larger amounts, you have to open another account with a different bank.

I'm not interested in investing fixed sums, but rather in possibly investing the annual amounts intended for special repayments. Also, for example, 500 € monthly would be fine.

Understood, however, with many banks, you have to pay the special repayment in one lump sum or it is only credited at a fixed date (for me 30.06.). A fixed deposit would fit well there.
A [Tagesgeld] account also works for smaller ongoing amounts but pays lower interest.