@Thommy98 Very good question! I also thought about it for a while and came to the decision to take as little equity as necessary.
The main risk is usually that you still have to pay the mortgage installment even though you're already retired.
However, with the current deposit assets and a further increase, I'm not too worried about that.
To put it bluntly, with 5 million in your portfolio, it won't make much difference if you still have to pay €2,500 per month at 65, especially after 30 years of inflation have had their effect.
If the follow-up financing is at 10% in 10 or 15 years after the fixed interest rate, you still have the option of taking a portion out of the deposit :)
