Analysis of our financial situation

No, only here with the topics of real estate financing.

Yes, I was invited and that made me very happy, because at that time it was very unfair and amounted to a witch hunt.

I hope I can now calmly offer my help, my expertise, and my possibilities to the community and especially to the consumers and help ensure that in particular the topic of real estate financing sees more quality entering this subarea.

I am very much looking forward to that and am always available.

I would gladly take a look at the house.

No, only here in the topics of real estate financing.

Yes, I was invited and that made me very happy, because at the time it was very unfair and amounted to a witch hunt.

I hope to now calmly offer my help, my expertise, and my possibilities to the community and especially to the consumers, and to contribute to bringing more quality into this subarea, especially in the topic of real estate financing.

I am very much looking forward to it and am always available.

I’d be happy to take a look at the house

I already suspected that, given your nickname. Then have fun. I really like the tone so far!

I can't understand this attitude at all (but of course I accept it), wait, then snap it up, pay cash? Wait for what? Pay rent on the side, possibly wait for rising interest rates (which I don't see, at least not significantly), get nothing on the invested money?

Hi,

Well, if you really have to watch your money closely, like turning every cent twice, then betting on a bargain is a tricky thing. It can backfire. And if house prices then rise a bit, you’ll have some problems.

But if money isn’t quite that tight, then I’m happy to take that risk. Especially since it’s not even a risk in this case. Because here, the OP has a good rent, good income, and a good age. So, he doesn’t lose anything at all!

If prices rise in 3-4 years (assuming it happens, which I don’t believe), then he has about 200k saved! Houses won’t get much more expensive than that anyway!

With this argument “Buy now, because tomorrow everything is expensive,” it feels to me like they want to lure those who don’t earn that well into the cost trap quickly.

The OP doesn’t have to fall for such gimmicks at all. If you have money, and the OP does, you MUSTn’t do anything!

@OP: Don’t drive yourself crazy! Enjoy the time now, educate yourself, inquire endlessly, keep your eyes open and enjoy the savings rate and the freedom. With your salaries, I assume anyway that you don’t finish work at 2 p.m. and then sit in the apartment from morning to night in winter. Go to the sauna, take weekend trips to cool hotels, and so on. But do everything to avoid pressure, which will come enough in life anyway, as long as possible.

And in your case, it is in my opinion ABSOLUTELY UNNECESSARY to bind yourself to 500k right now!

Wait, whether prices go up or down. It doesn’t really matter with your numbers.

Here in the forum, of course everything is designed for “build now”... Many also make their own numbers look good... That’s normal.

Keep your eyes open, check out other areas where you could also imagine living and research what prices look like there, etc. It’s a cool phase. It’s a great feeling when you walk through the streets knowing that you will soon be able to afford this or that, without having to pay 2k net every month for 30 years.

When I say “cash,” I just mean the money is there. How to handle it smartest in the end doesn’t matter here and now.

So, congratulations on a great starting position and good luck with your decision! Because this can definitely change your life in one direction or another. So, take your time.

And remember one thing: Those in a hurry pay for it!
(Common wisdom from the business world).

And, the feeling that the house also belongs to you, and still at a young age, is absolutely cool!
I find it very sad that not everyone can feel/experience this financial freedom. At the same time, I am glad that I can. And you can too! Easily!!!

With this argument "Buy now, because everything will be expensive tomorrow", it seems to me as if people who don't earn that well are being lured into quickly falling into the cost trap. The OP doesn't have to fall for such scams at all. Whoever has money, and the OP does, DOESN'T have to do anything!

Who does that? A consumer has formed thoughts and checks whether the project is feasible and doable, and then I come and say wait a little longer? I can't see anyone who told the OP that he should build, everything is getting more expensive!

The OP does not have to respond to such scam tactics at all. Whoever has money, and the OP has that, DOES NOT HAVE to do anything!

???? I absolutely cannot understand what you mean by that!

Go to the sauna, take weekend trips to cool hotels, and so on and so forth. But do everything to avoid pressure, which will anyway come enough in life, for as long as possible.

???? Can't you do that anyway, even with the realization of a project?