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I'll keep it short, too: A 5-year holding period is too short for refinancing a loan. The risk is too high.
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@Epi Thanks for the heads-up. The BauFi runs for 5 years, and then we'll see how it turns out ;) I consider the risk to be manageable. At a total of €5,000 (I had to make two transactions), it's just a small part of the bigger picture and should really be seen more as a gamble :)
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@Finanzen_Anders As a bet? An ETF? Hmmm 🤨
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@OberstvonGatow Should I leave the money in a money market account earning 2.6% interest, or will I make more with the ETF at that point? That's a gamble, isn't it?
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