Fully finance a condominium as a civil servant

Depending on the net salary, it is possible. As a civil servant, the risk of default is somewhat lower. And I don’t read anything here about a 120% financing over 600k plus, but a relatively manageable amount that someone under 30 can easily pay off... A bit of discipline is required, but only the original poster can assess that. After all, a little perseverance was also necessary to meet the requirements for civil service.

And now stop with the know-it-all tone here. Financing may not be smart at this point in time due to the high interest rates. But a catastrophe and a sure path to ruin—I dare to doubt that with a reasonably good net salary.

Such threads raise more questions than there are answers. : - Are you currently already a probationary civil servant and the probation period is over, or does your probation period only begin in October? - What salary grade are you in? - Are you currently repaying your debts? How much of the debts will you have repaid by October? - Would you like to explain to us how your lifestyle led to such debts? There is much debate here about the term "lifestyle," but the debts could also have been caused by a far too expensive car out of sheer recklessness, and the risk of permanently living beyond one's means is not given. It is also completely unclear whether the thread starter is a teacher (A13) or a judicial officer (A2). So without details, one really cannot say anything, as we lack the ratio of debts or purchase costs to income.

There is a lot of argument here about the term "lifestyle," but the debts could also have arisen from a far too expensive car out of pure recklessness

then he would have written it, right? But he didn't. He talked about the lifestyle. An accumulation. That shows that he simply cannot manage money, civil servant or not.

Financing should work. But you should consider whether this might be more than you can handle.

then he would have written it, right? But he didn't. He talked about the lifestyle. An accumulation. That shows that he simply can't handle money, civil servant or not.

Financing should work. But you should consider whether some things might be getting over your head.

why should the financing work? I don't read anywhere what he earns as a civil servant.

That information is needed and all installments must be put on the table. I stick to my point: first quickly repay installment loans and get organized.

I do not quote all the replies to my post. Therefore, in brief: There are certainly judgments in which, under certain circumstances, incurring debt becomes relevant in disciplinary law and conclusions can be drawn about the personality of the respective individuals. BVerwG judgment of 27.01.2000 - 2 WD 28/99. The OP did not mention car loans, student debts, or such, but rather his lifestyle. It is obvious that he cannot simply restrain himself. Quite simply. This is, by the way, assumed in completely different cases here. And in the above judgment, it was about a demotion. This measure is not possible for federal civil servants on probation. Then it’s a matter of pass or fail. A civil servant rightly has certain obligations. That should be kept in mind.

I'm not a financial expert.....but I would argue, regardless of your job status, it's not important how much you earn, but how much is left every month.

Sorry, but change your lifestyle....otherwise it won't work.

Good luck!!