Which credit burden suits which income - experiences?

Early repayment is okay as long as it is actually done. Anyone who is too sloppy and often squeezes in an extra vacation will end up with a high amount because they don't make any repayments. Of course, this varies a lot; everyone should ask themselves whether they reliably make the [ST]. For example, I put extra money into another account, which I then use for the [ST] (out of sight, out of mind).

In principle, the consideration is already reasonable. For us, it was important to choose a rate that on one hand offers room/flexibility (i.e., lower than what would actually be possible), but on the other hand is high enough that we finish paying off well before retirement even without special repayments. This makes us maximally flexible, even if in total we will pay more than if we had chosen a higher rate right from the start. If there is money for special repayments, that's nice; if not, then not. Of course, this always also depends on financial possibilities and whether one wants it that way. Other users may see it very differently.

Whether one really needs and can realistically manage 10% special repayments is another question (of course also depending on the loan amount, as 5% is certainly enough for many). And whether one accepts the interest surcharge for this (even if it were only 0.1%) is also a question.

Because I was interested and because I have not opened the invoice so far:

36.5% calculated with long-term secure income.

31.9% calculated with actual income.

40.5% comfort factor limit at the start of planning, which we were willing to pay. It was lower due to interest rate cuts as shown above.

With my condominium, it was as follows:
Fixed interest period 4 years, annual special repayment 10% instead of 5%.
Duration without special repayments would be 6 years, 4 months.
Actual duration will be 3 years, 8 months.
At the very beginning, I couldn't make any special repayments because the money went into renovation and furnishing, but since then I have been using it fully.
The financing amount was of course only a fraction of the upcoming house project.

The idea is to keep the installment manageable and repay a high amount as special repayment. The money that is free during the year would not go on luxury vacations or similar things, but should simply be available during the year in case unforeseen expenses arise. If the year is over and the money is actually "left over," then it goes into the special repayment. At least that's my way of thinking.

However, it is also true that even the standard 5% with a financing amount of, say, 200,000 or 250,000 is already an amount that you first have to save on the side.

Hello Since the financing is only in my name (my husband was still self-employed at the time), it is 38% of the salary. The installment can easily be paid from one salary. A special repayment was important to us because we do occasionally receive a donation from the family. It was also important for us to be able to live without major cuts and definitely to be finished on our own without special repayment before retirement.