Depression after notarized contract - experiences

  • Erstellt am 2021-09-02 08:39:37

Strahleman

2021-09-03 09:46:08
  • #1

You also mentioned another desire to have children and that your current place might become too small. Please keep that in mind. At the moment, your rent costs are low; if you move or have to move, it could look very different.

And the calculations for the compound interest effect on rents have already been briefly demonstrated by and me. At the moment, you may pay less, but calculated over the years, it can look very different.
 

Aloha_Lars

2021-09-03 09:46:09
  • #2


Does a house have to be paid off by retirement age? Certainly not. Here we are back at the point that you overthink and possibly let yourself be influenced too much. You don’t have to have it paid off by retirement! I dare to make the bold claim that some borrowers currently are in the situation that they won’t be finished by retirement, so what?
 

nordanney

2021-09-03 10:05:17
  • #3

The emphasis is on paying off! You pay off exactly 0 for a rented apartment.
Or is the problem with the terraced house? Your sentence sounds as if the terraced house is basically the Lada among houses. You can live in it, but you actually don’t really want to have it.

That’s completely normal! It’s nice to be debt-free at retirement. But a lot can happen until 2063 and/or retirement...
- You have triplets and look for a new and bigger house in 2 years
- You get divorced and the house has to be sold
- When the kids leave the house, you sell it for a good price and treat yourselves to a nice bungalow for old age
- At retirement, you start really living it up. The house is sold. A small apartment is rented (because then there is a landlord who has to take care of every damn thing) and the sales proceeds are spent
- Job change in 2030, so you have to move
etc.

Live in the now. You can think about 2063 later and in the end it still turns out differently.
 

Musketier

2021-09-03 10:09:52
  • #4


With our financing, it would have also taken us well over 30 years to repay. Due to job changes, several salary increases, and regular special repayments, we will probably manage by 2025 and thus within 11-12 years. Inflation is currently rising. Do you think salaries will stay the same for 40 years?
 

Alibert87

2021-09-03 11:28:52
  • #5
I can very well understand the thought "so much for just a terraced house," but I read here that you bought in a very good location. That was/is probably a conscious decision, which in my opinion cannot be outweighed by money. You are buying a lifestyle that others will never have! Regardless of whether it was "only" enough for a terraced house. The location promises reasonable neighbors, good schools, and good infrastructure for you, I assume... The purchase price is just a number! As a "person who likes to accumulate money," I had/have to let go of that. I would also like to buy a property for 500,000 euros, but market and location say no :)!
 

JuliaMünchen

2021-09-03 12:00:20
  • #6
Nice to read that you are already feeling a bit better today and that you can even rationally list the pro arguments for your construction project as a response to the post by [HilfeHilfe], which suggests that you should definitely let it sit for a few more days to see how your emotional state develops. A friend just told me about similar behaviors in her partner after the birth of their child; he was useless for 10 days, had panic about responsibility, fear of change... and suddenly it was over, and now he has relaxed into his new role and is enjoying the wonderful time with his little son. Regardless of whether you want to seek professional help, a request to the other forum participants: If you have never been in a psychological crisis situation yourself or never witnessed someone live who was, please hold back from harsh judgments like "The crisis hotline is not for such trivial issues" (yes! it is exactly for that, just like for desperate teens after their first breakup, for example) or "As a wife, I wouldn't tolerate that for long." The mental barrier to seek help is already big enough for those affected, and especially this thinking that men must never show even the slightest weakness leads to the negative spiral not being broken but rather fueled further. No one wants to suffer from panic attacks, depression, or burnout, and ideally, one should experience understanding and support; that is actually a completely normal reaction to a person asking for help, even if you don’t know them personally, but especially if you are married to them.
 

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