First home financing for house purchase - short-term and at a loss

The lady from LBS tried to convince me that I should declare everything because that would result in a lower interest rate. But I naturally wonder whether I borrow €189,000 or €194,000 ... how big will the difference be? Possibly only in the 0.x range?

The loan-to-value ratio is an important factor. Anything over 60% means interest rate surcharges. Usually at thresholds like 70%/80%/85%/90%/100%/.... percent. However, this varies from bank to bank.

A good banker or broker will tell you if you are close to your interest rate threshold.

In general, a TA/building savings contract construct is not bad; but LBS is not really among the market leaders when it comes to cost-effectiveness.

So, as said, also check out Dr. Klein / Interhyp and the other banks in/around your area. Maybe your insurance broker is also active in financing business...

Hello

is this again one of those threads: I buy the house, partner is not on the land register and buys stuff, cleans and contributes to the additional costs?

Then this is not my thread

I don’t know why you react like that immediately...
Of course she goes into the land register. After all, it’s not I who is buying, but we.
And yes, our tasks are simply divided in a cliché way.
She takes care of the household. I take care of everything technical, including the car, electricity, etc.
She goes shopping – I carry the stuff.
It has worked quite well for us for decades, and just because it might look different for you/you all doesn’t mean that everyone else is doing it wrong.

And even though I’m grateful for every answer and advice, I can gladly do without “man, what’s wrong with you?” comments.
If you think this topic is not for you, just close the page and continue with whatever you were doing before.

Honestly, when it comes to groceries: I don’t do the shopping. I know that my better half goes shopping twice a month and spends about 50€ each time. OK, maybe a bit more comes up with the "in-between purchases." Like "quickly" grabbing a new loaf of toast bread and Nutella after work. Or a bottle of wine. It’s "only" 10€ each time, but it adds up if done 3-4 times a month. I absolutely get that ... I just simply double the amount across the board.

Sorry, but I lived extremely frugally during my studies, and 200€ per month for household goods for 2 people is completely unrealistic. If you sum up hygiene items + household cleaners (cleaning supplies, detergents) + groceries + indulgences (all alcohol and/or tobacco) under this category, in my experience two people who are really frugal can get by with a minimum of 350€. But then you’re basically living close to a vegetarian diet, occasionally eating the cheapest meat and buying a bunch of grapes once a month.

100€ or 200€ will never work in real life. You’d have to log your expenses for a typical month.

I wrote that down immediately after reading the answers here. I also immediately started transferring my bank statements into a budget book. And as soon as my better half is back, the same will be done with her account. Then we should definitely have a good overview of past income and expenses. Especially when everything is categorized, you can immediately see where the money is going. Although I have a suspicion about that (*looking at my own feet after reviewing my account in hindsight*)

I don't know why you react like that right away ...

Probably because lately there has been an increase in such cases, which annoy some people here (myself included) and in which they do not want to participate helpfully. Don't take it personally, it's way too hot

, well, 350 € per month for two adults with a small child (including powdered milk, no baby food. Diapers came from a different budget) is doable, we did that for a while. It's not filet steak all the time, but it's manageable (if you mostly drink tap water).