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3Semana
The decision can also turn out like the GIF 😏
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@Pezi absolutely! That's why the accounts are settled at the end.

However, the interest rate is fixed for the time being, so something can only go wrong if the nominal return on the markets is below 3%. Then it would be better to save the interest costs.

If the interest rate is, for example, 10% after the fixed interest rate, you can still throw everything out of the deposit and reduce the remaining debt.

I therefore see the main risk as being that the market yield will be significantly lower in the next few years. It can happen, without question. But I remain optimistic here :)
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@Mister_ultra is like many decisions in life.... you only know whether it was good or bad later...