Finance and buy or continue renting in the Stuttgart area?

I think you didn’t fully read my post, but I saved about 34k annually over the last 2 years: that means on average about 2800 euros monthly. In other words, I consume (excluding rent) about 1300 euros monthly on average (but that also includes vacations). Whether that is a lot or not, I don’t want to judge.

I have now read your post again and I stand by it.
Savings performance of 2000 € per month plus 10,000€ bonuses per year are your 34,000 € per year. You explicitly called it total savings performance!
You didn’t save the bonuses monthly; they were simply added on top of your salary.

If you break down the bonuses, your net income in that month would also have been higher, it’s six of one, half a dozen of the other, by your numbers you still consume 2700 € per month.

Or did you include the additional benefits in your annual gross income? From my experience, that’s not done in financing matters.

Where can I apply for the clerical officer position 40h week at OEM for 90k per year?? :D

Did I understand that correctly: You earn around 200k gross per year together?

You really don't have to worry at all with a financing amount of about 500k :)

Maybe clerical officer was also the wrong word. :) Although engineers at the OEM are also called clerical officers.

I will finance the apartment alone if at all. I also see no problems with two people, of course. For me, it's more about whether it's "too much luxury" to buy an apartment now when you have the idea in mind to buy something bigger anyway.

Best regards

Of course, you could buy now. But I have a hard time believing that you have a shared flat [WG]. Have you ever lived permanently with the lady of your heart? If not, forget the property for now.

I have even re-read your post now and I stick to my point.
Savings of €2000 per month plus €10,000 bonuses per year are your €34,000 per year. You explicitly called it total savings!
You didn’t save the bonuses monthly; they were simply added on top of your salary.

If you break down the bonuses, your net in that month would have also been higher, no difference, according to your numbers you continue to consume €2700 per month.

Or did you include the additional benefits in your annual gross? In my experience, one does not do that in financing matters.

Then I expressed myself incorrectly. My total gross including 14 salaries, holiday pay + bonus is €105k. Sorry for the misunderstanding.

Of course, you could buy now. But I have a hard time believing you have a shared flat. Have you ever permanently lived together with the lady of your heart? If not, forget the property for now.

Therefore, I want to finance the apartment alone. Without family etc., the property would be more than sufficient for me.

Maybe "clerk" was the wrong word. :) Although engineers at the OEM are also called clerks.

If anything, I would finance the apartment alone. I don't see any problems with doing it as a couple either, of course. It's more about whether it's "too much luxury" to buy an apartment now if you already have in mind to buy something bigger eventually.

Best regards

Regarding future plans, I would actually first live together with the lady in a rented place and see whether the future should bring an apartment or a single-family house etc. Financing 450k alone now... yes, doable, but maybe not necessarily sustainable or satisfying in the long term, especially since I think we are currently at the peak of construction prices anyway.

Financially, it's feasible with that salary. But I would also say that 500k is the limit.

I'm more concerned about whether it's "too much luxury" to buy an apartment now when you already have in mind to buy something bigger anyway.

No. Buy the apartment and move in there with your loved one. Stress-free for both, she can contribute to the ancillary costs and living expenses. If it works out, buy a house together – if it doesn't, there will be no stress about the apartment either.