Desire for the house (but uncertainty)

  • Erstellt am 2014-04-23 12:47:39

Masipulami

2014-04-23 15:00:39
  • #1
 

f-pNo

2014-04-23 15:05:07
  • #2
Regarding the topic "working abroad," there is a special case that you may need to consider (does not have to be the case with every bank):

In Switzerland, you will probably have lower income tax rates / social security contributions, etc. It can happen that the German bank enters your gross salary into their system and then, for example, uses tax class 3. The system then deducts social security contributions as a flat rate and in the end calculates the German net salary based on your Swiss gross salary. This is of course lower than the Swiss net salary.

This does not have to be the case with every bank. The reason is that you could possibly lose your job in Switzerland and start again in Germany with the same gross salary.

Problem: If it gets tight, the credit assessment could be negative, even though you could easily afford the installment with your actual net income.
 

Efreet

2014-04-23 15:29:18
  • #3
Yes, I have to clarify that with the bank, although there should be rather minor problems for most people here. It is not uncommon for people to work here in Switzerland.

It is also the case that I pay 4.5% withholding tax in Switzerland and then the difference to the tax rate again in Germany. That means I pay the same percentage of contributions.
 

HilfeHilfe

2014-04-24 07:19:24
  • #4
Hello,

you have already answered the universally popular question about equity ;) If I extrapolate your wife’s income, she earned around 1k net before. That means you had tax classes 3 / 5. From the equity side, I can only say that it is too little. Even if the kitchen, etc. are present. Things usually turn out differently than expected. Interest rates are a factor, but not everything. When the market turns, prices will come back as well.

I also don’t know why so much lump sum payment is put into a retirement plan that is still with the employer..... But okay
 

Efreet

2014-04-24 09:05:54
  • #5


Your arguments are justified but do not all entirely apply. The capital that I called "security" is practically an additional bonus from my employer. I myself do not pay anything into this pot. But nevertheless, I have invested a lot in private provision which is supported by the company. Why? I simply have the best conditions here which I can't get anywhere else.

The tax return class is another story. We have been together for 10 years but have only been married for 9 months. Tax class 3 has therefore applied to me only since last year, whereas before I roughly paid €800 more tax per month. By the way, my wife's income was around €570 net, she only worked 60% in a poorly paid job.

Still, I "gladly" accept being reminded of having too little equity capital. With more discipline, there could have been much more, but needs in life change, not rarely with increasing age. As I said, we are not going to rush into such a life task as a house at any cost anyway. The possibilities must face reality, even if they would currently level our project. Then it's just save save save.
 

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