Financial theory experiences?

Assumptions and conjectures are not factors one can count on. Absolutely too many contingencies where life and needs are not taken into account in any way. You can count on a salary if it is available indefinitely; nowadays, I see this as somewhat uncertain for graduates (fixed-term employment contracts are no longer uncommon). Building a house is also based on owning a plot of land. For a property search, a car is needed: I don’t see these costs included in the mentioned 550€... I also assume that there are still quite a few costs missing. Partnerships should be tested in a shared apartment as well as during vacations and joint leisure activities, and also through finding and developing one’s own personality (including at work). Not infrequently, you develop differently in an employment relationship than your partner likes ;) Houses inherited from parents are used up more quickly in later care levels than the current owner would like. Given your age, the owners, that is your parents, are surely not in a situation to want to bequeath anything in the next 30 years. Banks are only interested in the ACTUAL, not the potential COULD BE. Therefore: vivre la vie! :)

... I don’t even reach the starting salary of someone who only masters bare theory :confused:

It’s not mastered anyway ;)

I don’t know. I think it’s all not meant that seriously. I just can’t imagine it... If it is, even worse! :confused:

A €370k loan at 5% annuity would be €1540 per month. So already €240 more than the TE’s maximum desired.

On top of that, inheritances are included, which are not fixed, and salaries are considered that still need to be negotiated. Moreover, salaries are not calculated correctly. €3500 gross is a lot at tax class 1, but definitely not €2450 net. I get €3400 gross, and I receive €2050 net.
That’s the next difference of about €400. With the increased rate from above, that’s already €640 too much.

Then when I read that someone wants to buy €60,000 (SIXTY THOUSAND!!!) worth of furniture on credit, I completely lose faith.

I stick to my opinion: either this is a joke or completely out of touch with the world and especially with real life!
Work a few years first, live your life, and enjoy it above all. There may be people for whom holidays really don’t mean anything. But going completely unplanned can’t be serious, can it?

I’m sorry if I’m so blunt, but if you really approach the house topic as described above, then I am sure you will crash and burn, even though I would wish otherwise.

Life simply cannot be planned. It always brings problems that need to be solved. On the other hand, that’s the exciting part of the story, otherwise it would be boring! ;)

I have to agree with all the previous speakers as a banker. 1. Finish your studies 2. Find a job and work 3. Take care of building/buying a house

It makes no sense to account for so many variables that are only assumptions. What will the interest rates look like then? Can you afford an interest rate of 5% (+ repayment) in 2022? Are you still together then? Maybe you work in Hamburg because there is THAT job there? Accidentally pregnant in 2020, that makes it difficult. The developer suddenly wants €650,000 for the house in 6 years, what now?

Sit back comfortably and forget your fantasies for the next few years...

Dear Jess1991 :)

Please make sure to find yourself a hobby..that's just unbelievable :)

but you can never start thinking early enough

Yes, you can... Just like with you right now.