Good offer for a young family? Buy yes or no

Eventually the market is saturated, isn't it? I have read that due to demographic change the market will be oversaturated in 2025 and prices will definitely fall then.

Far too generalized. It is true that the strong birth cohorts are slowly retiring and weaker birth cohorts are following. However, there are different kinds of regions. Especially cities with large universities will be unaffected by demographic change. They produce masses of graduates every year who often stay in the city/region, start families – and look for houses. There is always a supply of buyers there. In other regions, on the other hand, where, for example, the heirs live elsewhere and no longer want the houses, a lot is expected to happen in the coming years. But it greatly depends on the region. It often looks completely different in two places.

is probably the running gag now...

Yes, I really find it hilarious. Read it somewhere else and thought it was good... and everyone knows what is meant :D

If the woman worked more, the situation would be much more relaxed.

But you can’t turn back time. Snowmen can also be built in a rented garden. And there are said to be men who say: my wife doesn’t need to work ;) One thing I don’t understand either: the woman is at home and the man spends money on breakfast and lunch. And that regularly. That is actually a waste of resources. Same for me: recently had to scroll through several pages when I was looking for something I ordered last year That really adds up. And most of it is not needed.

But as I said, I’m leaving a lot up to my Sparkasse advisor tomorrow. If he says it’s doable, then okay. If he gives me the bird and says if I’m dreaming right now, then also okay.

Ask him right away if he will take responsibility for it for life. The decision is made by ---YOU--- :eek:. What he finds okay for his life doesn’t have to be yours. The bank says yes or no and YOU (no one else) say whether you accept the offer.

I would rather like to test first whether this will work with a big sacrifice

If it’s a perceived sacrifice, it won’t work in the long run. It has to be wanted, a price you gladly pay for your house.

You can also do a house swap vacation via, for example, Homelink; maybe an Italian family living on the Adriatic wants to,

That’s possible worldwide and I’ve already done it. Vacation hardly gets cheaper and better, whether Hawaii or Mauritius including a car. You just have to be creative and above all flexible… or pay a lot of money.

Yes, I’m curious about our parents’ opinion.

Of course you talk to your parents too, but neither the Sparkasse guy nor the parents can decide that. You as a couple have to carry it… sorry, somehow I get the impression that you’re outsourcing responsibility. Then better stay renters.

A kind of rent-to-own is not possible. He’s basically waiting for a couple he "likes" to come along, and then it will be sold. He doesn’t want to be involved much with it…

He set a great price; I think that’s enough.

And if you’re not allowed to treat yourself to something for 50 €, then something’s just wrong^^

Well… I have read a bit more than that… your household budget book shows it to you.

But as I said, a lot depends on my Sparkasse advisor.

You really keep starting with others who basically decide it… before that, you write that it won’t work because of xyz… then it won’t work even if the Sparkasse says YES.

Don’t get me wrong: you seem to be happy in the apartment now. If that’s imaginable in the long run, there’s nothing against it. But at first you wrote that you often passed by the house and had considered putting a note in. That doesn’t necessarily sound like you weren’t interested in buying a house so far

It seems more like a "shiny object" to me

… parents can sometimes also become generous.

… why should they, as long as the younger generation elevates the mentioned consumer stuff to a necessary standard of living, which I myself don’t even live like that

At some point the market is saturated, isn’t it? I read that due to demographic change the market will be oversaturated by 2025 and prices will definitely fall then.

Well then… , there’s no point if you found your dream of a lifetime yesterday, which is even offered to you with a discount, and today you’re looking for everything why it won’t work. You decide, and from what I read, it will probably be better if you/you both don’t do it. What does your wife actually say about your future lifestyle?

Much too general. It is true that the baby boomer cohorts are slowly retiring and low birth cohorts are following. However, there are all kinds of regions. Especially cities with large universities will be largely unaffected by demographic change. They produce masses of graduates every year who often stay in the city/region, start families – and look for houses. There is always a steady supply of buyers there. In other regions, however, where, for example, the heirs live elsewhere and no longer want the houses, a lot is expected to happen in the coming years. But it depends very much on the region. Two places can often look completely different again.

The heir generation is coming now, where a few hundred thousand euros are just peanuts. Likewise, money remains cheap, so debt is not a problem. Real estate prices remain at a high level with a constant slight increase.

Parents are allowed to have a say if they chip in 100000€ ;)

Had they not put a land charge on the table?