ullw889
2020-01-15 19:59:45
- #1
Phew, I feel like I’ve never seen such a stressful thread here before
I know some people who, just like the original poster, have managed big vacations and other luxuries before house, yard, and kids, and then focused on settling down, etc. That doesn’t mean you never go on vacation again, eat out at a restaurant, or watch a movie at the cinema. Some people here act as if you turn from millionaire to beggar... the OP surely knows what he’s getting into.
We have similar incomes, would I finance 500k with that? Honestly, no. But I also have nothing to inherit, or 10k bonus per year. If you’re not shy of these numbers, why not? Good luck with your project!
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.