Assessment of financial framework

I would still say that we should put the topic of [Kindergeld] to rest for now. I also have an additional DispoPlus account with a current credit limit of €13k, interest rate currently 3.99%. This could be used as an absolute last resort if things get tight in the end. Two small 10,000-euro building savings contracts for the employer's [VWL] are also still available. Currently, there should be €3.5k and €2.5k in them. My Riester contract can probably also be counted as equity. The inheritance will be in the range of €18k-22k.

What is your specific question or request now?

That was still the answer to your questions from last night.

I would still say that we should now put the child benefit issue to rest here.

I also have an additional DispoPlus account with a current credit limit of 13k€, interest rate currently 3.99%. This could be used as an absolute emergency reserve if things get tight in the end.

There are also two small 10,000-euro home savings contracts for the employer's VWL. They should currently contain 3.5k€ and 2.5k€. My Riester contract can probably also be counted as equity.

The inheritance will be in the range of 18k-22k€

Dispo as an emergency reserve for house construction... I have no words for that anymore..

Overdraft as a last resort for house construction... I have nothing more to say about that..

Why? To bridge a small amount is okay, right? However, when I look at the refinancing amounts, they often exceed 15k significantly.

Why should it not be suitable as a last resort? We are not talking about 10%+X interest here.

The account has not been included in the calculation at all so far and was merely to be understood as a response regarding further equity/employer loan.