Good offer for a young family? Buy yes or no

So with the stomach aches you have, I would already see the matter differently!

The problem is that so far a property hasn't been extremely important to you and it's not certain whether that will be the case in the future.
We have always liked having our own home so much that we have saved a lot from a young age and could do without almost everything for it.
In addition, we have a different financial background. If our heating broke down, we would like to handle it ourselves, but if for some reason it doesn't work, our parents on both sides can support us at any time without any problems. That lets us sleep much more peacefully.

Also, I wouldn't do it if the regional Volksbank/Sparkasse doesn't support it. In my feeling, the banks allow more than is good for some people anyway.

The reason I was in favor is that first, it is neither a new building nor a dump and is therefore well calculable, and I think it is a good price where you can sell it without much loss.
But maybe in this case it’s still too sudden and actually, in other threads with similar income/financing sum, the consensus was always that it doesn't go well.

Our jobs are independent of Corona and crises.

Which crisis is actually being referred to?

Yes, we have, and unfortunately there is quite a difference – which in turn would mean canceling Netflix, canceling the gym, canceling Sky, no longer playing the latest Triple A blockbuster, etc.

Oh, I don't want to upload it for now. That's already quite a drastic "exposure" ^^ Maybe I'll do it tomorrow after the meeting with the bank advisor.

I would be willing to do a lot, but right now there is just uncertainty.

Streaming, fitness, PC games, etc. only make up a small part of your finances. Maybe there is better saving potential somewhere else. And still, do you really need all of that? Do you need both Sky and Netflix, or is just one enough? Are you really unhappy without Sky? Just as an example, I don't want to really hammer on Sky.

Whether you publish your list of expenses here or not, do make a more detailed listing of your expenses and consider what you really need. Or your wife too! She's in the same boat.

It is very positive and speaks well of you that you are really examining this seriously. We don't see that often. Usually, on the contrary, people claim that you can save spontaneously. So, be brave. You will surely manage it, and sometimes parents can also be generous.

May I ask how much this forum will influence your decision in percentage? I hope under 10. Then another piece of wisdom from me. What do you want to do for your retirement provision in the next few years? The repayment rate is the best opportunity. Stop thinking about it, find a bank with under 1% interest and finally buy the house, unless there is a catch you are not telling us. And take 2% as repayment, then you can continue living as before.

What is he supposed to save 150,000 from in 10 years?? That’s 15,000 per year. He himself said a new car will probably come soon, a vacation should also happen sometime, heating with question marks, etc. So we have a much more relaxed situation and still can’t save 15,000 per year.

I think you misunderstood that. Sascha is posing the construct of saving for 10 years now. To maybe have 150k at the end and then have to buy the house for 1 million. In that construct, he stays renting and has no stress with the heating. However, I would also find that option unrealistic. If you don’t have to, you rarely change your lifestyle to improve saving behavior. And 10 years is too long a horizon...

Even under the current conditions, 15,000 is athletic in the long run. But maybe somehow achievable with a lot of discipline.