Buying a two-family house, feasible?

And how high are these special payments or Christmas bonuses, etc., supposed to be, for a position with 1500 net, that they would significantly increase the EG? I consider that extremely unlikely. Therefore, once again the appeal to the OP to get detailed information beforehand, so as not to experience a rude awakening only upon receiving the notice. Just for comparison, a friend received the maximum EG, but she is a salaried doctor and was previously employed full-time. Those are completely different salary spheres.

So special payments etc. that are occasion-related do not flow into the EG. However, if they are paid out over the year along with the normal salary, then they can probably be included.

Nevertheless, with 1500€ net, it will be more than difficult to reach an EG plus of 900€. In general, I would assess the whole thing as difficult due to the circumstances! Of course, the 5-family house would be a security, but whether it can really be taken into account must be decided by a bank. What surprises me a bit is the seemingly low purchase price if the house has really always been maintained and modernized and is supposed to be in a quite sought-after location.

So special payments etc. that are occasion-related do not flow into the EG. But if they are paid out throughout the year along with the normal salary, then they can probably be included.

I have also read that, but for most employees in practice it is about Christmas, holiday and/or vacation pay, and how many now receive that monthly? I don't know anyone. Does the employer even agree to that? Hence the big question mark regarding "special payments"...

I did not want to question that either! In most cases, it is simply paid as a genuine special payment and then not included accordingly. Only what you earn regularly every month is taken into account.

It was supposedly credited to me. However, I already reach the maximum amount with my regular salary. Therefore, it was no longer relevant for me. The caseworker told me that it depends on how it is phrased on the payslip. For example, if it says [tariflicher Gehaltsbestandteil], it would work. If it says Christmas bonus, then not. But I also received my Christmas bonus during parental leave. The same applies to bonus payments. Whether this is the advantage of those covered by the collective agreement, I cannot say.

independent of the parental allowance something else for financing. If both of you are listed in the land register of the 5-family house, you can only take out a mortgage on it together. That means if something goes wrong with you, the 5-family house is completely lost. As a brother, I wouldn’t do something like that. Was the 5-family house a gift and does the father receive the rent? That is good for the tax office but bad for all three (brother, father, and you). Can anything be sold from the 5-family house, either individual apartments or the entire share to the brother? Otherwise, with the income, financing won’t work. Or you make an agreement with the 87-year-old, for example, you take care of everything, pay for everything, and then inherit later. The inheritance tax is probably cheaper than a harakiri financing.