Financing terraced house is okay

I am a trained IT specialist in application development. I am currently studying computer science part-time at the distance university.

This is probably why the wage difference can be explained.

I am a trained IT specialist in application development. I am currently studying computer science part-time at the distance university.

That probably explains the wage difference.

never sell yourself short!

Well, and he is not located in Frankfurt. I don't find the salary that unrealistic, of course there is room for improvement, he is also still studying on the side. Apart from that, I see the financing as being in the green zone. As a comparison to the evaluation of your offer: the best simple annuity loan under your conditions (95% financing) is at 2% for 15 years at Hypovereinsbank.

a bit off-topic 2600 net for a trained software developer is okay. It always depends on the industry and the location. Why should/must everyone study? So with 50k gross per year one is already "badly paid" here in the forum??! ... well, if you look at the TVöD pay tables or something, there is almost no non-graduate in that class ... btw: the banking sector is one of the highest paying industries in DE!!

I also find this constant "you earn too little, find something new" out of place. The situation is as it is. And this is about opinions on a specific situation. Whether someone in Frankfurt earns X€ more per year is a completely irrelevant piece of information for the (currently increasing number of) OPs. In the end, only dissatisfied people leave the forum again, who daily wonder if they might be underpaid. Personally, I find €2,600 net at 27 years old very good.

On Topic: I find the rate of €950 + additional costs somewhat high given the total income. But it also depends on when your wife starts working more again.

IT specialist in application development.

1. ------------------------------------------------------------------------- Starting salaries 2018: IT sector

[*]IT team leader: 57,250 to 67,250 euros [*]IT support: 36,500 to 41,500 euros [*]IT consultant: 42,500 to 49,750 euros [*]################################## [*]Application developer: 45,500 to 53,750 euros [*]################################## [*]Business analyst: 43,750 to 49,250 euros [*]Database administrator: 43,250 to 48,750 euros [*]Web developer: 40,000 to 47,250 euros [*]Mobile application developer: 42,500 to 51,000 euros [*]Network administrator: 41,250 to 46,500 euros [*]Software developer PHP: 39,250 to 46,250 euros [*]Software developer Java: 45,000 to 53,250 euros [*]PC technician: 28,500 to 34,500 euros [*]System administrator: 37,250 to 46,500 euros

2. -------------------------------------------------------------------------

[*]The average starting salary for computer scientists in Germany in 2017 is 44,739 euros gross and about 27,000 euros net with tax class 1. [*]The highest IT starting salaries are achieved by graduates in Hesse (on average 48,448 euros) and Bavaria (on average 47,599 euros).

3. ------------------------------------------------------------------------- [...and as a software developer with Java skills, up to 51,000 euros cashes in.] ------------------------------------------------------------------------- I’m happy to post another 100 excerpts from the internet. But it probably comes down to this: 50k/year is pretty much a very normal salary. No idea where works, but it seems to be going well, congratulations. Best regards