Buying a house without a mortgage loan

Well, the interest rate is just so high right now, I can hardly change that at the moment. By the time we have enough equity in your eyes, we probably won't get a loan anymore because we'll be too old. In 5 years I could basically pay for such a house in cash, but by then it probably won't be available anymore either.

Well, the interest rate is just that high at the moment, I can hardly change that currently. By the time we have enough equity in your eyes, we probably won't get a loan anymore because we'll be too old. In 5 years I could basically pay for such a house in cash, but it probably won't exist anymore then

Ambitious to save 26,000 euros in one year. What kind of stocks do you invest in?

Who is talking about 26? If you had read, you would know that I can save 12k every year just by saving, I already have 20k. That does not include any special payments or the mini job I want.

And sometimes you also go down to the basement here to laugh, right?

who is talking about 26? If you had read, you would know that I can save 12k every year just by saving, I already have 20k. That does not include any special payments or the mini job I want.

And sometimes you also go to the basement to laugh here, right?

Simply 150K for the house, 20K equity = 130K

130K / 5 years = 26K

I just want to save you from miscalculating.

But my downstairs neighbor, who listened to loud music from 1 to 4 during the week, almost drove me to violence.

Party neighbors also drive me crazy.

I can completely relate to that. I'm generally quite sensitive when it comes to music in particular, and when I once had a neighbor sharing a wall who also partied for hours at night, I then rented a detached house and have never since tolerated any walls or ceilings adjoining mine, no matter the cost. That is my top priority. I really like people, but I need the possibility to protect myself from such things in my own four walls.

we won't get a loan anymore anyway because we're too old.

Where does the info come from?
More critically, I see that you’re ruining your Schufa score with (apparently hopeless) financing inquiries.

Regarding the seller: this messy situation of (borderline hoarding) household management, the statement "this week work, next week maybe a dog" already points to partially dysfunctional tendencies. Likewise, the handling of thoughts about appraisers, involvement in clarifying the approval status, and insisting on an "own" contract; all the junk that she won’t be able to use later, she also just leaves there…

This doesn’t sound like a simple deal.