Financing option - Assessment - New construction

I am very curious about the explanation why the "non-civil servant" is taxed more than the civil servant. You surely mean the social contributions.

Sorry, I was unclear there. I meant of course the social contributions. But regardless of that, I find it difficult to illustrate this in the calculations based on the monthly net income due to the different tax classes. Hence also the idea to state this with the annual net sum and then break it down to the month.

Hello everyone,

sorry I can only get back to you now. Many thanks for the many responses.
The explanations make sense so far, KfW 124 is out.
Currently being reviewed is the combination of:
- KFW 153, due to good interest rate and especially the grant of 18,000€
- 30 years MHB. The bank advisor wanted to take a look at it and we will get feedback mid-week.

Thank you all!

The paradox is that the top tax rate starts from 60,000 gross (single, tax class 1)

That is not the actual problem in the tax and contribution system. More serious are: 1. Labor is taxed more heavily than capital gains. 2. Contribution assessment ceilings for contributions and health insurance. 3. The possibility for tendentially financially stronger groups to opt out of the general health system. Now it is the way it is, and you can also get out of private health insurance again if it becomes expensive. Homeowners should be pleased about that.

[...]and you can also get out of private health insurance if it becomes expensive[...]

But in certain (life) situations, no longer