Finance Single-family house - Feasibility?

Please show me someone who is at E9 level 1 at the end of their 20s. That is not possible at all.

Just 6 years of professional experience means level 3. And with a degree, E9 is the wrong level in the long run and acceptable for at most 1 or 2 years.

Of course that is possible, I also work in the public sector (TVÖD EG 12 3). Here, experienced colleagues from the private sector are often hired with experience level 1. Partly in their mid-fifties....

I am in level 3 of pay group 9b TVöD V VKA My boyfriend is in level 2 of pay group 13 TV-L I: €1938 net He: €2200 net

Sorry, I had calculated up to level 3. Of course, three years of professional experience are enough for level 3.

Anyone who, with qualifications and 20 or 30 years of professional experience, places themselves in level 1 of a fair pay scale is beyond help. I have zero understanding for that.

I always find it remarkable how some people here hoard their money—and are proud of it. As if living frugally were something heroic.

I’ll come clean: we had children young and built a house young. With 110% financing. But we wanted to have the garden when we needed it, so that means when the children were small. Teens don’t need a swing anymore or a sandbox.

As I said—we were young. Now we’re older, the children are no longer small, the house is paid off. We earn a five-figure amount (yes, net) per month and still almost completely spend everything.
Money in the bank doesn’t make us happy. Why should we work so much if all we get out of it is an account that’s bursting?

I advocate buying everything exactly when you want to have it. Unless you want to be the richest dead man in the cemetery. We do very well with this and lead a completely happy life without constantly watching the account.

I am at level 3 of pay group 9b TVöD V VKA My boyfriend is at level 2 of pay group 13 TV-L I: €1938 net he: €2200 net

Thank you Make an appointment for advice at a bank, e.g. your local bank and an independent advisor. Then see what both say independently of your situation. Your salary is good, only the equity capital is lacking.

Anyone who, with qualifications and 20 or 30 years of professional experience, lets themselves be classified in level 1 of a fair pay group is beyond help. I have zero understanding for that.

Then you were probably never in the sad situation of being unemployed, so that you either had to take the job in the public service because a) the employment agency demanded it from you, b) you had to fill the gap in your CV. But sure, you were never unemployed at your level. Neither was I. But you do exchange with other colleagues or also sometimes look beyond the blinkers, because this situation is no longer so rare even in the public sector.

I always find it remarkable how some people here hoard their money – and are proud of it. As if living frugally were something heroic.

I'll confess: we had children young and built a house young. With 110% financing. But we wanted to have the garden when we needed it, that is, when the kids were small. Teenagers don’t need a swing anymore or a sandbox.

As I said – we were young. Now we are older, the kids are no longer small, the house is paid off. We earn a five-figure amount (yes, net) per month and still almost spend everything.
Money in the bank doesn’t make us happy. Why should we work so much if all we have to show for it is an account that’s bursting?

I advocate buying everything right when you want it. Unless you want to be the richest corpse in the cemetery. We are doing very well with this and lead a completely happy life. Without constantly watching the account.

Uh, I think with a five-figure monthly income, you can't really relate that much. If you meant me: We don’t save to build up a fat account and die rich, but to make financing the house manageable. That could have been a bit earlier, but at that time we didn’t have a plot yet. If I earned five figures, I could of course spend everything without worrying about the future. I find your statements a bit lofty...