Financings ETW Student + Engineer

I am still reading along . But at the moment I have just under 80K, until moving in it will be 105. Current savings rate 2.5k, possibly even more.

Ok. But you stated equity of 130k for the financing.

Now it is "only" 80k.

You have planned the savings amount until moving in for the kitchen.

I am confused. Or I am reading it wrong.

Exactly, my savings of nearly 80 + 50 from my parents in advance, I will easily save another 20 by then. That makes 130 equity.

Oh, I see.

May I borrow your parents sometime?

I can manage the amount I’ve saved myself (but with a higher net income, though). And I sometimes have to hear from the banks why I have saved so little. The question should actually be why my wife and I don’t have bank-compatible parents.

Everything will work out for you...

But I think 2.5k is a decent savings rate even with more net income. It is only that high because we don't pay any rent or utility costs. I actually want to go back to 37.5 hours, then another 300€ will come in. There is plenty of work for that.

Yes, it is definitely decent.

Here in the forum, "saving" means what you set aside for the house. Periodic purchases basically cannot be deducted from that.