And I think buying the house was a mistake and I just want to stay in my old environment, combined with the high mountain of debt, right.
My wife supports the purchase, although before buying she always said that an apartment is enough for her and she doesn’t want a house
I can understand you. I would also get scared with 800k+ euros for a row house. Interest rates will rise and it will then be worth less. Of course, everything can turn out differently, but that’s just how it is... I would continue saving and see if I don’t eventually find a bargain, but this project is
cost-benefit wise simply negative /whether subjective or not, in any case it’s not the right thing for you. Someone from my family also overstretched themselves after buying a basement apartment (over 500K USD, years ago). Weeks of tinnitus followed... today that person works themselves to the bone, everything revolves around paying it off. Prices have also risen there, but the real burden on the person remains. I would only buy if the property is priced at only slightly over 30 annual rents. Your gut feeling is right. It’s not the right thing for you/you all... I once made a decision against my gut feeling and I’m still struggling with the consequences today, so that’s why I agree with you, listen to yourself...