Single-family home financing through stocks

For the financing of : With 1.5% repayment and a term of 37 years, the interest rate was calculated at about 2.75% back then, so the calculation works out. A reasonable term and a reasonable structure in the year 2015

Today, with 1.5% repayment and 1% interest, the theoretical term would be 51 years! The property value decreases faster than the loan is repaid. I don't think you can easily find a bank for that. Although... if I were a bank, I would find it okay if the loan-to-value ratio is nice and low, meaning a lot of equity is involved. But you don't want that either.

Maybe you can start with 2% repayment and then immediately reduce it with the free repayment change. Some banks offer that.

There is news. A review of the existing loans showed that I can refinance 180k without any problems by the end of the month and switch here to 1.2% fixed for 20 years with 1% repayment (non-binding offer from my online bank). In web comparison, I get up to 0.85%, let's see if the branch bank will offer more. This means the monthly rental income increases by 764€. New net household income thus approx. 4700€/month.

New idea for financing:
Property with incidental costs 650k (200k land, 14k incidental costs, 436k house with condominium)
100k equity
2x KFW 120k (of which 96k to be repaid, 0.95%, 5 repayment-free years, term 30 years, burden with repayment 2x 396€/month)
310k bank loan (20 years fixed, 1% repayment, interest of 1% is possible according to the internet, burden with repayment 517€/month)
In total monthly burden 1309€ (A) if the bank insists on 2% repayment 1567€ (B).

How realistic do you see the bank’s approval for A or B?
After KfW subsidy and equity, there are 502k debts against 636k value in land and construction costs. The repayment would %wise be just under 2% with the 1% financing (7680 KfW + 3100 bank) per year, with the 2% bank financing a total of 2.5%, each fixed for 20 years.

If the condominium can be realized like this with a lot of personal effort, there would certainly be an additional 300€ to 400€/month cold to the equity.

How realistic do you see the bank's commitment for A or B?

I don't think anyone will change their opinion just because you pulled more liquidity out of your sleeve. Ask the bank what they can offer you.

No suspension of repayment! You could have asked your online bank

It is astonishing that you completely ignore criticism but can calculate the positive for you almost to the fifth decimal place, chapeau.

How big is the house supposed to be, how do you come up with the costs? You suddenly jump from initially 300k to 436k without explanation, how come? Do you have an offer? From whom?
And you only want to take on the personal contribution because of the [Einliegerwohnung]? Please make a more detailed cost breakdown...

Matthew03 I understand the criticism regarding the costs. Currently, I simply have no idea what the house will cost. My goal is to build a financially sensible structure. That helps me see whether the house can even be realized and what equipment and compromises (own work, [Einliegerwohnung], etc.) are necessary. Financing indirectly through stocks instead of direct repayment is simply obvious to me due to personal preference.