Financing without equity except for land - Bavaria

Are you saving anything with the income?

By now, you should have more than 40k. The old house is probably an inheritance from grandma?

Otherwise yes, doable, but when a child and part-time work come, the belt will have to be tightened.

Have you budgeted the demolition costs for the [Altbau]? They will probably be five-figure and not a small amount.

Otherwise, yes, doable, but when a child and part-time come, the belt is tightened

that is like saying: When you get married, you are not allowed to f*ck anyone else anymore!

this is like saying: Once you get married, you’re not allowed to f*ck anyone else anymore!

Don’t understand your saying. Everyone who has children knows that they also cost money. Child benefits are only a weak consolation. And yes, you are allowed to f*ck. But please according to the income so that you can still be happy with the financing.

I wanted to say that it is logical to have to tighten the belt when there are children.

And I read here from time to time that this very circumstance is often overlooked or assessed too positively. In this respect, it is completely correct that this is pointed out.

Otherwise, I also see the project as very easily manageable, but also advise good planning in advance with regard to demolition, disposal, etc.