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@tierras male a new one, you will safe in tax and ale to invest more! 180k is not much at all anymore! but you should be able to do the math for yourself!

@ayosyrene it depends, I did split into 3 parts in 2017. The first part was running out 2 years ago, no problem to extend at a good rate! This year I amortized it. Next one is running out in a few year which will be amortized or extended, depending on my future’s situation.

@annaad0617 u can switch the bank once your first one is about to run out. But need to have it correctly in the “Grundbuch” and a good setup.