Construction financing - Influence of private retirement provision on interest rate

Getting married is generally sensible, yes, but getting married to change the tax class and be financially "better off" cannot be considered sensible.
What you pay less in income tax throughout the year is missing in the year-end adjustment during the refund. Overall, the tax class change in marriage is simply a shifting of payments, nothing more and nothing less.

Regards

Furthermore, the considerable follow-up costs must be taken into account.

Getting married is generally sensible, yes, but getting married just to change the tax class and be "better off" financially cannot be considered sensible.
What you pay less in income tax over the course of the year is missing later in the annual tax adjustment in the refund. In the end, changing the tax class within marriage is simply a shifting of payments, nothing more and nothing less.

Property. Correct, but here we are dealing with a partner who is having a child and will not be working for the foreseeable future. Maybe a second child will follow. In that case, marriage does make sense (not only for the salary, but also for the pension). And as so often, there is also the issue of part-time work when she returns to work. Unfortunately, that is still the norm.

Furthermore, the considerable follow-up costs must be taken into account

Are these different for unmarried couples with children?

So then here is a brief insight: - Net income together about 6500€ - Girlfriend is a civil servant, I am an employee (permanent) - Equity is sufficient to cover the ancillary purchase costs. We have detailed all our costs. We have set a maximum loan rate of 1,600€. We have also taken into account parental leave and any reduced working hours of the woman. We are fully aware that one has to restrict oneself here and there, but we also accept that.

Income definitely fits, but in my opinion the repayment is set far too low for the amount!

Income definitely fits, but in my opinion, the repayment is set far too low for the amount!

What would you recommend instead? We had calculated so that we are debt-free by the time we retire.

What would you recommend instead? We had calculated that we would be debt-free by retirement.

Take out a full repayment loan over 25 years.

The salary is easygoing. You can easily manage that. Even with parental leave. But it would be worth considering how long your wife will be/will be able to be absent. But you have probably already done that. Otherwise, getting married is not necessarily only sensible from a tax perspective, you should also do it in a totally cheesy way because you want to marry. The marriage is only really worth it for tax reasons (would go to 4/4 anyway) if you can use the spouse splitting advantage effectively. Otherwise, you basically end up in the same place. The child is more likely to "pay off" in terms of tax allowance. You have already received enough opinions about the product.