Ask if home financing is feasible

I just saw - the Verbraucherzentrale NRW offers construction financing financial consulting on a fee basis for 170 euros - no idea if the price is okay.

or try the Verband Wohneigentum, costs about 30 EUR per year and you receive good support and the best thing is that numerous discounts as a club member actually finance my annual fee through OBI and Toom

It says something about 27 euros fee/per property/per year – you probably have to be a homeowner first

but something else:

I’ve now calculated everything. I struggled through my banking program for 2 years and converted all costs, whether quarterly, yearly, or monthly – I converted everything to a monthly basis. Everything is really included. Groceries, car costs that occurred over the last 2 years, insurance, fees, etc. Additionally, lump sums for monthly clothing, miscellaneous (like going to the cinema or so), etc.

I also calculated 2.50 euros/sqm additional costs for a house + 100 reserve/month. My electricity costs (currently 87 euros) I raised to 150 euros/month. Are these realistic values?

In the best case (if having a child doesn’t work out), I have 800 euros/month left over that can be fully saved. With this, I could then make special repayments or special expenses.

In the very worst case (that is, during parental leave), it would only be 230 euros/month. Although in the expenses mentioned above, about 165 euros of pet costs (special food, pet insurance, vet) are included. Having a dog is partly a luxury, and we will probably, especially when having a child and then not having time for the pet, get rid of him. That would mean the amount rises to 390 euros/month, which, as already mentioned, can be fully saved.

Honestly, I have no idea how tight it is per month.... thoughts?

Whereas the above-mentioned expenses also include about 165 euros for pet costs (special food, pet insurance, pet chiropractor). Having a dog is partly a luxury and we will probably, especially when you have a child and then lack time for the animal, give it up.

I just read through the entire thread and wanted to write a reply as a banker with mortgage experience. Until I read the sentence quoted above. This is completely off-topic now but: Are you serious? A dog is also a living being – you can’t just “give it up”! You took responsibility when you got the dog – and now that it possibly doesn’t fit anymore, you simply get rid of it? What will you do if, for whatever reason, you lack time for the child??? No words...

My opinion is that if I have almost 3000 EUR per month in income and work in the public sector, financing should be possible. Despite or precisely because of having a child and a dog.

Because in the public sector you get your money reliably and it is also increased regularly. Among other things, when you become a father, there is a family allowance and so on.

We have currently shouldered almost 300,000 EUR and also only a repayment of 1000 EUR / month to ensure the financing no matter what happens. The rest is a bonus.

If you want to build, you should get serious advice and then see.

Tell me, are you serious?

A dog is also a living being – you can’t just "get rid of it" like that!

You took on responsibility when acquiring the dog – and now that it might not fit anymore, you just dispose of it?

What will you do then if, for whatever reason, you don’t have time for the child???

No words...

Ok, just a quick off-topic.

"Get rid of it" might have been an ill-considered choice of words, but that could mean anything from "I tie the mutt to the highway" to "I make sure my darling goes to a nice farm where he has dogs to play with and more bustle" – and since you don’t know me, I wouldn’t write something like that – especially regarding the child. By the way, I would make sure he is happy and that he is doing well. That is important to me.

Nevertheless, it’s just an animal – if you decide for yourself that an animal is on the same level as a human, then that is your right and your business. I don’t judge you for that. I am different – but I am always for ethical treatment of other living beings. That includes not only dogs but also spiders (which you might even kill), bees, flies, and everything else as well. Also plants, by the way… I respect them too, especially because I am higher than them in the food chain. So please don’t judge me either.

Just a quick note on that.