Financing over 10 years with 5% special repayment

Please excuse me ypg, I certainly did not mean to be "defiant" towards you. It won't happen again, honestly! By the way, I wouldn't mind at all if you disengaged from this discussion [.]

yes, the truth is not always pleasant...

Now don’t start whining here. However, what Alex and ypg wrote is of course indisputable. Basically, after all the monthly expenses regarding the housing position, you don’t have 5000€ but something around 4500€.

These 4500€ are only partially available for pure consumption/living. There are daycare fees, insurances, private retirement provisions, and who knows what other items.

Then come reserves, provisions for repairs, travel, and vehicles.

Whether the bank will really commit to 10 years with such a low rate is questionable or should be questioned. If not, then even less will be available for living.

The bonus will only interest the bank tangentially, since only what flows into your account month by month counts. You may see it differently at the moment, but unfortunately that’s how it is.

Oh - this just keeps getting better...

I’m out then.

By the way, the statement in connection with his profession is interesting. If I were you, I would have at least continued to ask.

If the €240k has been saved through your own efforts, then at least partial sacrifice is not foreign to you. Which is certainly worthy of respect, if that is the case. But even that, with the loan amount after deducting the ancillary purchase costs, is only an 80% financing.

Please excuse me ypg, I certainly did not mean to be "defiant" towards you. It won’t happen again, honestly! By the way, I wouldn’t mind at all if you chose to disengage from this discussion

honestly.... the word of the day for the evening.

You’d probably like that, but fortunately this forum is for almost everyone.

If you don’t want to take good advice, then you are in the wrong forum.

Edit: Smiley deleted, was too inappropriate. ...

honestly.... the word of the day for the evening.

You'd probably like that, but luckily this forum is here for almost everyone.

If you don't want to accept good advice, then you're in the wrong place in a forum

At least he wrote it charmingly :-p