exto1791
2021-10-28 10:50:25
- #1
€1,400 repayment on the salaries and the planned 2-3 children in the future I actually see as "not so easy."
How does the salary look? Is there room for improvement, especially for you? How about your wife? Can she start again at 50%? How do you imagine the transition with children? Parental leave of 1 or 2 years? It’s best to also calculate what happens if one salary completely disappears and then only parental allowance is received.
I almost suspect that the loan amount with CURRENTLY calculated salary and possibly one child in 1-2 years is too much.
I assume you earn about €2,500 net and your wife about €2,000?
The €2,500 remains and your wife then receives about €1,000 net during the time of 50% employment/parental allowance etc. That way you would have €3,500 on the side - probably also for a very long time, since you will certainly want to have another child a few years later (according to your description).
Therefore, you have to calculate with this income for quite a long time.
€3,500 net income
€219 child benefit
--> so you have about €3,700 available (just roughly estimated) - as I said, I don’t know how much you earn of the €4,500.
Really calculate this HONESTLY together and see what is left at the end of the month - only then can you really check whether the sum or the repayment is feasible for you or not.
How does the salary look? Is there room for improvement, especially for you? How about your wife? Can she start again at 50%? How do you imagine the transition with children? Parental leave of 1 or 2 years? It’s best to also calculate what happens if one salary completely disappears and then only parental allowance is received.
I almost suspect that the loan amount with CURRENTLY calculated salary and possibly one child in 1-2 years is too much.
I assume you earn about €2,500 net and your wife about €2,000?
The €2,500 remains and your wife then receives about €1,000 net during the time of 50% employment/parental allowance etc. That way you would have €3,500 on the side - probably also for a very long time, since you will certainly want to have another child a few years later (according to your description).
Therefore, you have to calculate with this income for quite a long time.
€3,500 net income
€219 child benefit
--> so you have about €3,700 available (just roughly estimated) - as I said, I don’t know how much you earn of the €4,500.
Really calculate this HONESTLY together and see what is left at the end of the month - only then can you really check whether the sum or the repayment is feasible for you or not.