Securing construction financing

RLV decreasing and BU for main earner

To be honest, not at all.

At that time, we had also been offered a construct with LV in a cross arrangement. It would have cost us a good €300 per month.

Instead, we decided to put the €300 into repayment and reduce the risk that way.
We accordingly increased the originally sparked rate and put everything into [fein].

Honestly, not at all. We had also been offered a structure with life insurance crosswise back then. It would have cost us a good 300€ per month. Instead, we decided to put the 300€ into repayment and reduce the risk through that. We accordingly increased the originally proposed installment and settled everything smoothly.

Well, that doesn’t secure the death of one of the two partners. So you haven’t reduced the risk at all.

Yes, we do. Because the remaining debt is already relatively low today and can easily be paid off by the survivor alone. Option two would be to sell and "start anew" with the difference between the proceeds and the loan repayment. This works for us. But in general, we don't think much of insurance. Except for their stocks.

Which "pharmacy" was that? An RLV is available for little money (50€ is usually more than enough). For the car, you only have liability insurance, right? ;)

We have taken out a cross RLV, decreasing and I think 400k, and pay a good 27€ per month for it. My husband is really cheap, the fit young guy. I should have lost weight faster after the pregnancy to be such a bargain too, but overall it stays within a reasonable range. If something happens to one of us in the first years, the other at least has their ducks mostly in a row.