Finance the land or pay in cash?

The IP address will probably only be seen by the operator. Depending on which mobile network you are on, many people will probably surf over the same IP, I am not that familiar with it. But if some snipers keep showing up here every time, then I will delete my profile. I have never experienced that anywhere else...

Great, then you can finally come back as a pianist again normally, thank you.

I think it’s great that there are people who already earn that well at that age. Somehow, one always gets the impression that everyone is just living hand to mouth. Most of the women I’ve met so far always had some dubious activities where it was not foreseeable that they would ever earn anything from it. I was the evil capitalist to them. Seems to be a typical problem in Berlin. If you are self-employed yourselves: just remember that income can also decline sharply. So always have enough buffer. Sebastian

To be honest, I earn about 80% of our household income and my wife 20% because of part-time work. Yes, even without children you can work part-time. Life is simply too short to spend it only at work. For me, money shouldn’t be a big issue in the relationship. If I have more than the other, then I should also pay more. If the partner takes advantage of that, he/she is not the right one. We are both not self-employed. Regards

I just played around a bit with the calculator and was able to notice this difference as well. Does anyone have an explanation for that?

It can basically only be an error in the tool. If the property is already owned, it is counted as equity. The priority order in the land register – as someone wrote – is initially irrelevant for the offer. If the property is paid off, it is also free from encumbrances! My tip: talk directly to a bank advisor. They want to sell right now! And you can use that to your advantage. If the offer is too bad, simply demand a lower interest rate! For the equity, you should get a top interest rate. There is practically no risk for the bank anymore. And the bank’s refinancing rate is currently between -0.30 and -0.50 percent!

And the refinancing of the bank is currently at -0.30 to -0.50 percent!

That is unfortunately not correct. This only applies to banks that can refinance externally. Volksbanken and Sparkassen practically calculate with a cost price of zero because they already have the liquidity in-house. Therefore, own loans, not those that were brokered, are also not quite as cheap.

P.S. 10 years as of yesterday (maturity) by the way at -0.12%. Longer terms are even more expensive for the bank.

P.S. 10 years as of yesterday (final maturity) by the way at -0.12%. Longer terms are even more expensive for the bank.

I know, I work at one of the largest banks in Germany and lead the project on negative interest rates.