Financing monthly installment €2500 with 40 years term

And is that supposed to be livable or the freedom so often praised here in the forum, when you live in your own house until the very last second? When I hear such descriptions and see such pictures, I always ask myself: Do I want to live like that/inhabit like that, while I see on TV that it can be different?

On TV, I can see anything, depending on what I turn on. Also how pensioners become homeless and go bottle collecting.

The discussion regarding building a house and old age is relatively pointless. A lot can happen, nothing has to. Sure, I can become unable to work and the house can become overwhelming for me. The matter with the heating / broken pipes, etc., on the other hand, can at least be somewhat secured. A healthy financing is not completely tight and allows room for monthly reserves for maintenance. You can read about that everywhere and common sense also says that a house does not remain new forever.

The advantage of renting in this regard is only that such maintenance costs (if the landlord is smart) have already been factored into the rent. Then you don’t have to worry about it anymore. But deluding yourself that the landlord "pays" for it is nonsense as well. He of course gets paid for it; usually he just organizes that reserves are available. In the end, it is the tenant who pays, through his rent. If I acquire property, I just have to think about these things myself. If I don’t, my property can become too much for me. But the eternal rent comparison ... it’s not like Germany is known as the country of cheap rents.

Besides, this is a building forum. Most people registered here have probably already internally concluded the ownership vs. renting consideration, otherwise they wouldn’t be here.

I always wonder with such descriptions and pictures: Do I want to live/reside/dwell like this, while watching on TV that it can be different?

People with their dilapidated shacks probably once imagined things differently as well, but due to certain events in life or at the latest with advancing age, we will all eventually fall into such patterns. There is no use fooling oneself about that.

And is that supposed to be livable or the freedom so highly praised here in the forum, when you live in your own house until the very last second? When I see such descriptions and pictures, I always ask myself: Do I want to live like this/inhabit like this, while I see on television that it can be different?

My clear answer: no, I do not.

I have already given the example of my father (79 years old) a few times here. He lives alone in his house, which he bought in 1974. In some of the rooms, the original windows and balcony and terrace doors are still there. To heat the building so that he feels comfortable, he needs 2,500 liters of heating oil per year, which amounts to 300 euros per month. Since energy costs have been so high, coal has become really scarce. I don’t even want to talk about the backlog of investments and repairs. The drain in the bathroom leaks, but he does not have it repaired because of the costs. So he just struggles to go to the laundry room in the basement and somehow washes there.

Our neighbor, the same age, gave up his house a few years ago and moved into a 3-room apartment. Monthly heating costs after the increase from October: 50 euros.

The nice thing is that you don’t have to do that at all. The freedom of choice exists. And fortunately, everyone fundamentally has the right to shape their life the way they want. Whether that seems right or not right to other people is completely irrelevant.

And that’s supposed to be livable or the freedom so highly praised here in the forum (..). Do I want to live/inhabit like that while I see on TV that it can be different?

My clear answer: no, I don’t want that.

Are you sponsored by the Association of Advertising Creators, with the motto: "look, constant bombardment does have an effect!"

Real consumer o_O

Where is the problem with being unable to work at 50? I am insured in such a way that, in addition to the statutory pension, I receive another 1,000 pension. In addition, my wife also works and brings money home. My wife is similarly insured and would receive more money in the event of occupational disability than she currently earns part-time. If one of us dies, the risk life insurance pays out. So it’s no problem for the other one either. So what exactly is the problem with occupational disability now? It is a completely calculable risk against which you can insure yourself for a small price. Before the objection comes that my 1,000-euro insurance costs a fortune: Nope, the insurance costs me exactly 0 euros and the contributions are completely covered by the employer.

Isn’t that a pipe dream? Your contributions to BU come off your gross salary, so less wages, therefore less statutory pension. If you have to claim BU, taxes apply, and then the pension is offset against your BU. In short: you will get a little more than the basic security but relieve taxpayers with your BU. Back2Topic. Did the two teachers buy it now?

Benefits from a disability insurance policy are not offset against the statutory reduced earning capacity pension, as private disability insurance is not considered earned income. Otherwise, private disability insurance would not make any sense.