The first step has been taken today

I don’t understand that. If I have a fixed interest period of 20 years, it doesn’t matter at all where the interest rate goes. If you think I should invest my money at 3.6%, you need to show me a bank that is secure enough and actually does that :) All these banks advertising 4% overnight money accounts are anything but reputable. Every prepayment is sensible because it shifts the annual payments in favor of the repayment portion.

If the credit interest rates realistically rise above 3.6% again (no suspicious super new entrant bargains), I also wouldn’t prepay, but would rather invest that money in safe investment forms for flexibility. However, this only works until the saver’s allowance is reached; then 26.375% tax including solidarity surcharge must be considered. After that, the credit interest rate would have to rise to 5%, which is again rather unlikely.

You can see from this that how people plan their financing is completely individual. Our financing plan is based almost exclusively on prepayments. We have kept the monthly rate as low as possible to have as much flexibility as possible. We plan fixed 5-10% prepayment every year.

After parental leave and a possibly shortened employment, we also plan more prepayments. That’s why we will choose a lower rate than currently necessary.

The high interest at the end is quite possible. But what you don’t want to understand is that if you still have an outstanding balance under 30,000 at 9% interest, that hurts less than having paid too much interest for 20 years,

Correct.

I have said everything there is to say from my side.........

just two more points: the thing has been called "Sparer-Pauschbetrag" for some time now and currently stands at 1500 euros for married couples...... (no guarantee ;-) )
you can include some special repayments before taxes are incurred (30,000 euros at 5% for example)

After that, the credit interest would have to rise to 5%, and that is rather unlikely again.

and that is speculation again....

Hyperinflation is more likely than 5% fixed deposit interest :D Where should that come from at bankrupt banks anyway :D

Well, the stupid thing is your wage suffers too.... inflation doesn't do you any good.. only hyperinflation, if your employer adjusts your wage accordingly :) That helped some with the Reichsmark in the early days back then as well. But in the end the bank gets what it wants, so don't get your hopes up, they're stronger than us :)

We would also like to present our so far last floor plan once again - criticism is very welcome.

Note: To enlarge the bathroom a bit and make the kitchen a bit wider, we will move the stairs 25 cm to the "right".

The property is oriented towards the north - so north is where the man with the lawnmower is standing. The terrace is therefore to be extended "around" the living-dining area.

Thank you.

I can't say anything competent about the floor plans, but at the bottom right you can see your names including address etc... Do you really want to post that publicly here on the internet???:confused: Unless these are not your real names but just made-up ones, but I don't think so, do I?