What would be good conditions?

That is not wrong at all, what you are writing - nevertheless, I am closer to ypg on this. Usually, a good salary correlates with higher weekly hours (officially or unofficially), so it is precisely these employees who appreciate the value of free time. With a 20k saving through EL, a few hours have to be shaved off, more than would be necessary for one's own identification with the object or fine-tuning.

Why do people with "less" money constantly believe that just because someone earns more, they must stop economic activity?

Who has less money? I do, yet I can finance 130,000 without any problems with my small salary. I don't have to worry about that, nor do I have to ask the bank first. And that's because I know how to handle money and appreciate it. So: I calculate completely different things.

(adsbygoogle = window.adsbygoogle || []).push({}); What you write is not wrong, but I am closer to ypg on this. Usually, a good salary correlates with longer weekly hours (officially or unofficially), so these employees in particular appreciate the value of free time. To save 20k through EL, quite a few hours have to be shaved off, more than necessary for identification with the object or fine-tuning.

However, it was not about in-house work, make or buy, but about financing conditions. ypg wrote that it doesn’t really matter, there is enough money anyway.

Edit: Again. Well, strange attitude in my opinion. Those who have more presumably always have something to spare. You think so.

don't know if a higher income ALWAYS means more overtime

So I would go up to a maximum of 10 years here, as there are really good conditions then. The occasional special repayment and then this "Sümmchen" is off the table in 10 years.

We have a lower salary than you, had to take out more credit, and were recommended a 10-year fixed interest rate period by the mortgage advisor, maximum 15.

We decided on 10 years, 800 EUR monthly payment, still a remaining debt of several tens of thousands of euros, but with special repayments and further savings, that would be relatively manageable and the risk not too high.

The percentage for follow-up financing would have to be more than about 7% in 10 years, then the 15-year fixed interest rate period would have been worthwhile, whose interest rate would have been 0.5% higher than that of 10 years.