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But a tree loan also has to be used. You can't just put the money into an ETF. We didn't even get the money for the real estate purchase into our account back then, the lending bank paid it directly.
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@Psychedelic_Sunflower I think it depends on the individual contract. If you want to do the construct, you should of course check it carefully in advance.
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The first contract you take out if you are under 25 does not have to be used for residential purposes (at least with Schwäbisch Hall)