Acof1978
2021-06-26 18:45:50
- #1
Super. Thanks to you already for that.
Email missing 8-) (fünfundfünfzig hundertachtig sechs)
Super. Thanks to you already for that.
Super. Thanks to you already for that.
I have now entered my email under Infos (check my profile). Just write me :cool:
Do you drive a lot? Then an electric car, photovoltaic system, and wall box might be worth considering. It should pay off well with many kilometers.
If you calculate the stated 300€ fuel backwards, you end up with 35-40k km p.a. for both vehicles combined.
I'm also an e-fan, but taking on an additional k€ (20-30?) to save 150€ per month makes no sense.
The classic choice between the plague and cholera. :( Let's not kid ourselves, at the moment there is absolutely 0.0 indication that the situation will change in the short term. On the contrary, people are outbidding each other to the max for plots of land because the demand is simply gigantic. Construction costs are also rising 4-5% annually. You simply can't save enough for it to make sense. Increasing salary is of course a good approach, but usually not as quick and easy to implement as one would like. Even for reasonably decent existing properties, agents or private sellers are asking arbitrary moon prices, where people still queue up and in the end ask for "one last offer." And let's be honest, 1.7% interest is still basically nothing. I also strongly assume that you will be earning significantly more in 15 years, so the risk regarding the high remaining debt is also limited. Conclusion: For me/us especially the high amount would be nothing, but if YOU are willing to make at least some compromises for the house, then go for it! It is basically possible...That may of course be true. That's why the question is whether we should wait another 2-3 years, save equity, and have higher salaries. Unfortunately, my crystal ball doesn't tell me how high the interest rates will be then.