Micha93
2024-10-20 20:41:28
- #1
Hello everyone,
I (31, m) am a post-doc in an economically relevant field and still have about five years left on my contract (without the goal of habilitation). My wife also works full-time but is permanently employed. Children are planned in the near future, but after parental leave, we both want to continue working full-time. The planned house purchase is in 1-2 years, which means with 3-4 years of contract duration remaining at that time. Our finances currently look as follows:
- Net salary: him (after [PKV]) ~3,500 EUR, her ~3,000 EUR.
- Average savings rate: currently ~3,500 EUR, our car is relatively new and paid off.
- Equity: currently 120k EUR (self-saved), by the end of 2025 probably 160-170k EUR.
- Idea: terraced house, semi-detached house, or small single-family house. In our region, prices for these are between 350-500k EUR.
How do you see the chances of getting a mortgage?
Thank you very much!
I (31, m) am a post-doc in an economically relevant field and still have about five years left on my contract (without the goal of habilitation). My wife also works full-time but is permanently employed. Children are planned in the near future, but after parental leave, we both want to continue working full-time. The planned house purchase is in 1-2 years, which means with 3-4 years of contract duration remaining at that time. Our finances currently look as follows:
- Net salary: him (after [PKV]) ~3,500 EUR, her ~3,000 EUR.
- Average savings rate: currently ~3,500 EUR, our car is relatively new and paid off.
- Equity: currently 120k EUR (self-saved), by the end of 2025 probably 160-170k EUR.
- Idea: terraced house, semi-detached house, or small single-family house. In our region, prices for these are between 350-500k EUR.
How do you see the chances of getting a mortgage?
Thank you very much!