Evaluation of Construction Project / Credit Offer

  • Erstellt am 2020-01-10 18:15:42

ullw889

2020-01-15 19:59:45
  • #1


Now nothing major but what I never really understand. You talk about similar income but then say you don’t have a 10,000 euro bonus. Exactly that makes the difference and so you don’t actually have the same income. No offense meant and I could also have picked 3 other posts. In my opinion, people dwell way too much on the monthly net income and look too little left and right. Whether it’s the workplace in town/village, childcare, bonus, company car, etc. A couple (30 years old) with a total monthly net income of 4,680 euros can earn 91,000 gross or 140,000 gross (14 salaries, bonus, company car). But you’d probably recommend a maximum financing of 370,000 - 400,000 with both salaries here. One manages it rather tight but the other comfortably because he saves 500 euros a month on the car and more often receives special payments as a buffer etc.
 

Yaso2.0

2020-01-15 20:42:51
  • #2


Basically you are right.

But I expressed myself poorly there. We have more net income monthly, but I don’t get a “one-time special payment” of almost 10k that could flow directly into the special repayment, as the original poster intends. We save the special repayment of nearly 10k every year.

Hence my “similar income.”
 

HilfeHilfe

2020-01-16 06:20:59
  • #3


No, I am an AT employee. And no, it is not usual everywhere that AT employees receive an increase despite collective agreement. Certainly not 500-1000 € per month, which would help the OP.
 

Reinhard84.2

2020-01-16 17:16:24
  • #4
Snore...and who has the longest....company car now?
 

HilfeHilfe

2020-01-17 06:50:23
  • #5


Me! Because I commute by train! So I probably have the longest!
 

BauherrSaarlan

2020-01-20 12:39:21
  • #6
In the meantime, something has changed on our income side; I was able to achieve a "smaller" increase.

Our situation now looks like this:

Me: €7,100 gross = €3,800 net per month, bonus per year additionally €10,000 gross = €5,000 net
Her: €3,800 gross = €2,100 net per month, bonus per year additionally €8,000 gross = €4,000 net (initially unchanged).

Our annual tax refund will, according to my first forecast, be €3,500.

That means we now have €5,900 net monthly and roughly another €12,500 net annually available; the annual net salary thus amounts to €83,300.

How do you see the project under these new conditions?

Otherwise, the framework conditions are relatively unchanged; we are currently tending more towards KFW55 in solid construction, but we would tend to invest the "savings" compared to KFW40/KFW40+ rather in larger "buffers" to definitely be able to realize the construction project within the budget.

Thank you very much for your feedback.
 

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