Noted, so pledging would be beneficial, as long as the Tragbarkeit is there. If I understand you correctly, pledging allows me to increase my total loaned value up to 90% and will increase the 2nd tranche from max. 14% to max. 24% (which needs to be amortized). The bank lends me more money, therefore interest and amortization increase (and I’m higher leveraged…
).
This is not likely the case for us, as we are planning to have children by 2024 so she will work only part time. Our income will be conservatively around 200k/year, depending on career progression and if the bank will factor in bonuses. So yeah, we need to bring in 30% capital, to achieve Tragbarkeit, so pledging is off the table.
So the strategy would be:
- withdraw complete 2nd pillar (165k, 12% of total)
- bring another 235k in cash (further 17% of total)
End up with 29% Eigenkapital. And don’t touch 3rd pillar.