Financing Feasibility Single-Family Home Purchase

So from a certain level of wealth, it is quite reasonable to assume that the parents have saved/worked for the family assets. Saving money only really makes sense at an old age if it is meant to be inherited. Otherwise, it will be spent, or the emergency fund is there for possible care needs. Beyond that, it is supposed to be inherited, because why else would you have the money?

However, I have to agree with the lack of understanding about money. Private leasing to save money is a sign of lacking financial education. I mean this quite neutrally, as most people do not have this even in old age.

Therefore: invest a little money in your own education. Learn how financial products, financing, etc. work. Keep a detailed household budget. Check your insurance policies. Are the necessary ones there? Are you overinsured, or can you even save? If you know what is affordable monthly, go to the bank and clarify the framework. Just for information. Then keep an eye out for [ETW]. Talk to people if someone knows someone... Strike when it is affordable and reasonable. In a few years you can still buy/build. Meanwhile, see where you can generate more income. How important is your own house? Are you willing to work additionally?

So from a certain level of wealth, one can certainly assume that the parents have saved/worked for the family fortune. Saving money only really makes sense in old age if it is to be inherited. Otherwise, it gets spent, or the emergency fund is for potential care. Furthermore, it is supposed to be inherited, because why else should you have the money?

However, I have to agree with the lack of understanding of money.
Private leasing to save money shows a lack of financial education. I mean this very neutrally, as most people do not have this even in old age.

Therefore: spend a little money on your own education. Learn how financial products, financing, etc. work.
Keep a detailed household budget. Check your insurances. Are the necessary ones there? Are you overinsured, or can you even save?
If you know what you can afford monthly, go to the bank and clarify the framework. Just for information.
Then keep an eye out for condominiums. Talk to people if someone knows someone… strike if it is affordable and makes sense. In a few years you can still buy/build. Meanwhile, see where you can generate more income. How important is owning your own home? Are you willing to work extra?

Given the children's salaries, I hardly assume the parents are wealthy. And that is what I mean by the taker society. Parents are supposed to inherit; that's the assumption. Why enjoy yourself well in old age? Travel the world, spoil the grandchildren, drive a nice car, or renovate the house/apartment. The parents will still live another 10–15 years, so it's hardly worth it… I repeat: disgusting. Old is not the same as dead.

Hello, unfortunately I don't see such a project with that income. Especially when children are involved.

One registers in such a forum to use the opinions and knowledge of others for themselves. That's already a good approach

That's true, but if you want to finance €310k and additionally have €150 ground rent, but then write that you want the woman to stay at home or want to when children come and want to live on €1800, then I don't feel like I'm talking to an adult but to a 12-year-old, not to mention the comment about private leasing.

The "Benzinesel" already costs over €600 per month. Then you still have inspection, tires, repairs (not everything is covered by warranty...), so more like €700-800! €1800 is clearly way too much. Buy yourself a "car" for little money. With the savings, you can pay the ground lease and there will even be some left over. The monthly burden (loan) should then be at most the cold rent. No idea what loan amount, what interest rate would come out of it, but (for me the only) approach would be that. And yes, we still have to practice with the private leasing. Every vehicle is a money pit.

Given the salaries of the children, I hardly assume that the parents are wealthy. And that's what I mean by the taker society. Parents are expected to pass on inheritance. Why treat yourself well in old age? Go on world trips, spoil grandchildren, buy a nice car or renovate the house/apartment. The parents will still live for another 10-15 years, so it hardly pays off... I repeat: disgusting. Old does not mean dead.

We are talking past each other. Parents can do whatever they want with the money. I only assume that they WANT to pass it on if they don’t spend it otherwise. Nobody can take money to the grave. No one has any claim to the parents’ wealth during their lifetime. And I also find it reprehensible to demand money.
To accept it when offered. Why not?