Single-family house 150 m² 280,000 €. Salary 3000€-7.

One more word about the 1300 in 6 years from the photovoltaic system...

I assume the 1300 that the system has generated so far and which are fully used for repayment are not taxed since the interest costs + depreciation are currently still larger or about the same amount...

Hopefully you realize that in 6 years, when the system is fully paid off, you will no longer be able to offset interest costs, only depreciation -> significantly less than 1300€ remains because you have to pay taxes on the whole amount...
Depending on the age of the system (newly built or has it been around for a few years?) you should also expect repairs and remember that the feed-in tariff is only fixed for 20 years!

Assuming the system has already existed for 4 years and cost you 120,000€ at that time, which you financed at 5%, then the monthly rate is 1270€ to have it paid off in 10 years...

The system generates 1300€, where you can offset 500€ interest and 500€ depreciation -> 300€ to be taxed = ~130€ go to the tax office and you still have to pay an additional 100€ out of your own pocket...

The interest portion naturally decreases steadily, meaning you have to pay taxes on more and more and therefore have to add more and more from your own pocket to cover the monthly rate...

Towards the end you pay hardly any interest anymore, so you have to pay taxes on almost 800€ -> ~350€ to the tax office -> 320€ burden for you to pay the rate!

You should not forget this! As long as the system is not yet paid off, but the interest portion is already very low, the system can potentially represent an enormous additional burden if you are also financing a house... if an expensive repair is due then, it can quickly become unpleasant...

hello,
as long as there are no other loans or credits, there are no difficulties to be expected from my point of view.
that should work out fine. with €1100 she can manage a permanent financing until the end of the loan term with an interest rate below 3%.
there is nothing to consider there.
best regards

Hello Master

So the system is already installed and will be paid off in 6 years, thus generating the amount as profit. And imagine, it is a 70 kW photovoltaic system that brings in 2600 euros per month. Half belongs to me, the other half to my sister. It's that simple! So nothing suspicious

Well - unfortunately I would see it a little differently...
It is never as simple as it looks
The most important question is: with which modules is the system built?
A few years old and 70 kWp - I would bet that the module designation is FS2xx...

Unfortunately, many modules have the annoying property of deteriorating over time. Thin-film modules are particularly affected.
If the - still relatively new system - currently generates 2600 euros, then you can already deduct 10% after 10 years - and over the next 10 years another 5%-10%.
And I am only talking about the loss of performance - not defects.
You also have to always expect defects from time to time - the inverter will eventually give up (estimated after 10-15 years), individual modules can have defects that reduce the system's yield... ... ...

Therefore, in your own interest, you should not plan firmly with the current amount - that will permanently lead to problems. And if the system actually continues to bring in this yield - then you can use the money for special repayments, but I would not plan it firmly!

Best regards
Micha