Respect for large numbers - is the financing feasible?

I also don't believe there will be major changes with the banking lobby in the Bundestag.

I don't really understand all the panic. Even if you were to lose your job and could no longer afford the monthly installment, you would still have the option to rent out the house and live cheaply as a tenant yourself. Or you sell your second car and buy a small apartment... Especially in Frankfurt, the house would fetch a pretty good cold rent.

With special repayments, you would be debt-free in 20 years. You can ask around who has paid off their place after 20 years...

We're currently doing the same, since our rented apartment brings in more than twice the cold rent we pay ourselves. And as a single person, you're more flexible anyway than most here.

The only "problem" I would see is the fact that you would then be living alone in a large house. I would feel very uncomfortable in your position, I think a condominium with a garden share would be a better alternative. But everyone is different.

Still, most people could probably only dream of such conditions.

I heard that sentence 15 years ago too...

Then everything is wonderful. No more saving up equity and just do it. Let's go. You don’t want to hear any opinions other than your own, so let's go. Although I actually don’t buy your story anymore, no leader acts so unreflectively.

With special repayments, you would be debt-free in 20 years. You can ask around who has paid off their house after 20 years...

In our housing development, most are definitely done well before 58. I don’t see what’s so special about that. Some are under 30 and want to be completely finished in 15 years.

Well.. I would be more concerned about all the high earners in the automotive industry. They believe their jobs are secure

There is currently quite a bit of movement in some areas. But the banking sector, even though it obviously covers many subfields, is currently being massively streamlined. Something that has partly already happened in the industry over the last decade. Nowadays, a few dozen employees at a direct bank can manage millions of customers.

In the investment sector (funds), the only area that is growing extremely is passive investing. The main goal of most investors today is not to beat the market, but to reduce costs.

Banks are currently experiencing what utilities went through a few years ago. They are no longer needed on this scale. We need banking, but we no longer need banks.

And the automotive sector will experience something similar. We need mobility, but we no longer need automotive companies.

In my opinion, it depends on how the automotive companies position themselves in the future. No one would have expected the demonization of diesel engines five years ago. Even low-mileage drivers bought diesel cars.

However, I am also skeptical about the banks. Even solidly established cooperative banks are massively reducing staff and branches. The younger generation only goes there when absolutely necessary. The rest operates digitally. How exactly things will continue in the industry, I do not know either, due to a lack of expertise.

On the topic: I think you are basically well positioned. Don’t you know a [Baufinanzierung Spezialisten] who could advise you neutrally on this point? Sure, the numbers are large, but that is mainly due to the location. And in metropolitan areas, prices probably won’t fall for the foreseeable future. Even if interest rates rise significantly, they won’t.

You might want to change your signature from your phone/tablet/Tapatalk in your own interest... it always reads so awkwardly

Regards, Yvonne

Then everything is wonderful. No more saving up equity and just do it. Let's go. You don't want to hear any opinions other than your own, so let's go. Although I actually don't buy your story anymore, no leader really acts that unreflectively.


In our construction area, most are definitely done well before 58. I wouldn't know what's so special about that. Some are under 30 and want to be completely finished in 15 years.

I am 36 and want to be done by 40. Even though I have safely locked in 15 years