Bank wants co-ownership of the property - experiences?

However, you have to consider that this is just number games and corresponds to some outdated calculation models. Just like with ALGII, where something around 4.50 EUR per day is supposed to be enough for a balanced diet... in times when 1kg of pears costs 3.99...

With loan installments of 40% of net income and more, even singles quickly end up in a situation where they can only shop on sale to occasionally treat themselves here and there.

It also doesn’t help that some only have to live on 1,600 EUR. Because life on that is really miserable... do you really want to build a house and then run to Penny every time there’s a special offer on toilet paper? With 3,700 EUR net, I wouldn’t want to live like a minimum wage earner. That can’t go well for long, house or no house.

Everything in between develops in such a way that the percentages of income are always very comparable. If interested, I can post such a matrix, then you can understand it.

It's called "Lifestyle Creep"

This is what a matrix can look like. It is an old version (I don’t currently have the new one on my phone) from 2020. Currently, the flat rates are of course higher...

then run to Penny every time there is toilet paper at a special price?

I can afford Edeka and expensive drugstore items, but I have no problem at all buying offers on Saturday and then checking out Penny, Lidl, and Aldi. What you keep writing is inconsistent – sometimes you should save, sometimes it’s a sacrilege. Sometimes proud of how cheaply you build and now acting as if you are better than others.

Between 2020 and 23, it's easily 30% more, right?

Between 2020 and 23 there is easily 30% more, right?

No. I think around 10 (-15%). I would have to check.