Fully finance a condominium as a civil servant

I, as a complete layperson, of course calculate like this: 240,000 / 30 years / 12 months = 666 euros per month + interest we are at around 700 (?) euros.

Now don't make a fool of yourself, where exactly do you see a connection to the OP in the judgment you quoted?

Hello everyone,

I am 27 years old and will be permanently appointed as a civil servant in October this year.

I am thinking about buying a condominium (new build). Unfortunately, I have a small financing problem.

Due to my lifestyle, I have accumulated a debt of about 19,000 euros. I have equity (in the form of a home savings contract) of about 5,000 euros. The condominium costs about 185,000 euros. I would definitely need a loan of over 240,000 euros (purchase price + incidental costs + furnishings + old loan repayment).

As a complete layman, I calculate like this:

240,000 / 30 years / 12 months = 666 euros per month + interest, so about 700 (?) euros.

But now the main question actually is:

Would a reputable bank even do something like this, or not?


Best regards

In summary: taking on debt and not servicing the agreed installment due to lifestyle choices.
So far, the OP has shown that he already lives beyond his means without a financed property. Hence my comment.

And please watch your choice of words in the future. I am happy to have a factual discussion. Anything personal is inappropriate.

you’re just desperately trying to somehow save your original statement. The comparison is simply ridiculous.

The OP hasn’t mentioned anything here that would allow a reasonable assessment and you’re making something up for him.