Financing confirmation semi-detached house - Tariff I.O? Experiences?

No, they don't. Only the income side is estimated, which would result in a 50% position change. Very few think about what happens if 1 year of parental leave is not enough (no childcare) or what additional costs may arise from childcare. Not everyone is lucky enough to have free childcare.

Strange, most of my clients come with clear plans, data, facts, and figures, and if not, we create them.

Oh, don't people who want to build or buy usually do that anyway?

No, a lot is conveniently calculated. There are countless gross-net calculators, child benefits are known, just as many costs as childcare. Nice if you have a customer base that has always had such plans in the drawer.

No, a lot is nicely calculated. There are countless gross-net calculators, child benefit is well known, just as many costs like childcare. Nice if you have a clientele who have always had such plans in the drawer

Of course not since always, but since they started dealing with the topic of ownership and financing for it.

That is often quickly established in a personal conversation. Quite the opposite to the forum, where many things are only half mentioned after multiple inquiries.

Of course not forever, but since they have been dealing with the subject of property and the financing for it.

Nonsense, that ruins the business. At a bank and intermediary, there is no life planning. The current situation is always checked. There is neither the question of whether you want to have children, nor does your financial situation change negatively. The only thing is that the banks require a pension statement if the loan is not repaid by retirement age.

1) When are the children planned?
2) Are there already numbers regarding parental allowance known?
3) Are there promotion opportunities so that the income will still increase by then, possibly also planned only then?
4) How are the net salaries distributed in which tax class?

A child is planned within the next 2-3 years. The furniture for it is already available. Currently, according to our household budget plan, we have around 1300€ left with a monthly expense of 1100€. With parental allowance, we end up at half of that. We are not married yet and are both therefore in tax class 1 (She has 1900 net, I have 1700 net). She receives regular salary increases, 13 annual salaries, and bonuses twice a year. For me, a job change would probably increase the income fastest (computer scientist). A change is also planned, but not before the house purchase due to the financing plan and permanent employment. Regarding the 10+10 contract, I probably have to talk to the advisor again – maybe I also misunderstood something here. Thank you again.