Can we afford / finance a house?

What exactly is included in this LHK flat rate?

The living cost flat rates include the following expenses: »Food, beverages, tobacco products »Clothing and shoes »Housing, energy, maintenance for owner-occupied property (excl. rent) »Interior furnishings, household appliances and items »Healthcare »Transportation (costs for vehicles, motorbikes and bicycles, passenger transport) »Post and telecommunications »Leisure, entertainment and culture (electronics, garden, pets, travel, etc.) »Education system »Accommodation and catering services »Other goods and services (jewelry, watches, personal care, etc.) »Premiums for liability, household contents and basic building insurance Insurances beyond that (legal protection, accident, disability, etc.) are not covered by the living cost flat rates. Photovoltaics/medical insurance, precautionary expenses (if used for TA loans) and other payment obligations (which last longer than 12 months) are still missing.

100€ more per person (at least in the range where the table still shows numbers) is not enough. Even for an additional child, there are higher costs for food (also possibly in daycare/school), possibly care, clothing, etc.

First, it is possible to overcalculate, and second, the bank can also apply higher amounts. It already makes a difference what age the persons are, for example. The table is not the ultimate truth – but with at least 50% of the income, you are already doing well.

The problem is that it is actually €2,900 income (child benefit is included in household income) and the flat rate is €1,800.
In the end, it is indeed theoretical. But of course, this area must also be properly prepared for supervision.

Interesting that the other end of the table is not taken into account, there are plenty of family incomes below €1,400. Never mind.

What the table does not take into account are the living conditions. It is and remains a theoretical approach. It is a pity that banks do not enable a family to build a home, even though they have decided for themselves to live at the level of a family with €1,400 income. Everyone should be able to decide that for themselves... live tightly for a few years and have a house for it, and then the income will rise again (because the mother can work again).

However, the flat rate also includes a whole bunch of items that can massively reduce the actual costs. Our bank set €700 last year for one person and €250 for each additional person. In addition, there was only a flat rate of €250 per [KFZ]. So the bank set €1,450 for us. With the table here, it would have been €2,100.

What the table does not take into account are the living conditions. It is and remains a theoretical approach.

Furthermore, pets are not taken into account at all in the flat rates!

DaNKE MERkEL !!!!!!!111!!111!

What the table does not take into account are the living conditions. It is and remains a theoretical approach. It is a pity that banks do not allow a family to build, although they have decided for themselves to live at the level of a family that has 1400€ income. Everyone should be able to decide that for themselves...... live frugally for a few years and have a house for it, and from then on the income rises again (because the mother can work again).

That is not quite true. has already written it... The table is only a first approach to standardize creditworthiness calculations for the bank. In the area of direct banks, I agree with you. If I am in the red considering the Hamburg flat rates, then I do not get a loan - even if I turn myself upside down.

With the major branch banks (Sparkassen, Volksbanken, Deutsche Bank...) calculated deficits are commented on or exactly justified with the respective individual living conditions and loans are still granted.

The Residential Real Estate Loan Directive forces banks to follow an appropriate procedure. And the banks that have based their business model on mass business do not even bother with an individual consideration of the living conditions.

Interesting that the other end of the table is not taken into account, a family income below 1400€ exists in abundance. Be that as it may.

It is taken into account. Income up to 1,400€ always from a 900€ flat rate.

What the table does not take into account are the living conditions.

For that, you still have a banker sitting opposite you, someone you can talk to.

although she has decided for herself to live at the level of a family that has 1400€ income.

90% cannot do it, even if they boast loudly that it is no problem. Experience makes you wise (as a bank). Otherwise, has found the right words.

Interesting that the other end of the table is not taken into account, there are plenty of family incomes below €1400. Never mind.

I suspect this is because with a family income below €1,400 one should rather not consider a mortgage loan. And even if that is now a generalization on my part, I think that is the right approach.