Your judgment on our financing offer?

The 15-year loan was also calculated for us and had no advantages. We would pay for these 5 more years of security with worse conditions, which do not make the slightly higher level of predictability appear as the better option.

I cannot say with certainty how much we can contribute as special repayments. It definitely won't be 5% every year, and at the moment it also depends heavily on my husband's income. But since I will soon be increasing my working hours again, there will also be more available for that. I hope that we can manage 5000 euros annually even in the first 3 years. If we ever get lucky in the lottery or receive an unexpected inheritance, we would not squander it but want to repay our debts quickly.

As we said, we think we can offset the interest rate risk by having a shorter fixed interest period, since our financial future is not uncertain due to my civil servant status and I know that our options will be different again in 10 years.