Can an average family afford a single-family house at all?

  • Erstellt am 2016-08-02 14:02:36
M

MarcWen

2016-08-03 08:24:05
  • #1


You can assume there are more 3 than 4+.

Regarding the initial question. An "average family" can certainly afford a roof over their head. For all other dreams of ownership, compromises have to be made. Whether it is enough for a single-family home in a good location is difficult. If prices have risen by 20% in recent years, and the income situation remains tense, then you can already see here that the gap is getting larger and larger.
 
P

Peanuts74

2016-08-03 08:57:47
  • #2



But it still depends on whether you have to clean/manage the house completely yourself. Otherwise, at the latest when the kids have moved out, you ask yourself, do I still want to clean 300m² at 60?
And btw, even if I had the money for a cleaning lady, housekeeper, and nanny, I wouldn’t want that.
I once visited a fairly wealthy family (world champion in a popular sport) for a week; I didn’t want to live like him!
 
P

Peanuts74

2016-08-03 09:05:47
  • #3



Hmm, when I see your calculations, we probably should never have built or has building become about 20% more expensive in the last 3 years?
 
J

Jochen104

2016-08-03 09:50:30
  • #4
René, things still seem to be a bit cheaper here in Saarland
 
S

Steven

2016-08-03 09:54:26
  • #5
Hello

here is my two cents. (apparently I am not the average user here)
You can pay for the plot with equity. Your house will cost about 360,000 euros. You have to finance that. Currently, you can get a loan for about 1.5% fixed for 20 years. So 5,400 euros interest per year. 450 euros per month. That is the rent for the house. The repayment is the piggy bank.
Even now we have a slight inflation. It will pick up again at some point. And the price for a plot or house will continue to rise.
My plot, bought in 2005, is now worth more than double.
So, what are you waiting for?

Steven
 
H

HilfeHilfe

2016-08-03 09:56:06
  • #6
Where incomes are above average, prices overheat. Yes, one has a very good income, but it is eaten up by the loan amount. There are also several studies showing that it is not worth buying property but rather renting.

We have also moved out of FFM and I commute. Due to family reasons but also because we can't get the prices "in the countryside" anywhere near those in FFM.

And the prices keep skyrocketing. Wages/salaries not in the same proportion.
 

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