Construction financing and equity

If you are really a senior employee in the legal sense [...] and your income absolutely does not match that.

Huh? Such nonsense. Is there a table somewhere that shows what a senior employee should earn?
That depends on so many factors... I know a managing director of a GmbH who earns less.
Just because you have a senior position doesn't mean you suddenly have a six-figure salary everywhere.

As a senior executive in the legal sense, one has no protection against dismissal and no notice periods. Therefore, one should already be well into the six-figure range. I have never worked in a company where it was otherwise. Why shouldn't one be compensated for this risk? Perhaps in small companies, one already feels sufficiently flattered by the job title and agrees to it without reasonable compensation.

Such a thing depends on so many factors... I know a managing director of a GmbH who earns less.

P.S.: These are not executives.

I also did not say that a CEO is an executive employee, but that I even know CEOs who do not earn six figures. Especially not executive employees.

Why? Because the company simply does not allow it. It may be common in large companies, but I just don't think it's right to stand here and say in general: "Anyone who does not earn 5000 Eur net cannot be an executive employee."

I could earn at least one and a half times as much, if not double, if I changed my position more frequently and also worked in another city. Nevertheless, I have been with the same company for 15 years because there are other reasons besides money why you work in a company and give it your all.

instead of throwing money away for rent every month»

and bam..already disqualified Sounds like the typical naive & young adolescent.

Get a little older..gain some life experience..reflect..then think about a house.

and bam.. already disqualified Sounds like the typical naive & young adolescent.

Get a bit older.. gain some life experience.. reflect on yourself.. then think about a house

I find that sounds very condescending - also not very qualified and furthermore not directly helpful.

I actually have no idea about finances and house construction/purchase, I can only advise you from my personal perspective what I would do:

Sign a good building savings contract now to secure the great interest rates and then pay into it. And that with at least the amount you would have to pay monthly for a house plus what would go towards parental leave or daycare costs. So that you have that amount of money left over which you would actually have available, for example, during parental leave with child no. 2. Also consider that you pay daycare costs for child 1 (here 400-500 euros per child and you also have to outfit and provide for two children )

And then, if possible, stick to it for about 2 years.

That would be my plan, because many costs do not occur monthly or yearly, e.g. major car repairs... Then you would have 1. secured the interest rate, 2. a bit more equity and 3. a realistic assessment of how life is with the money.