Health risks of the primary earner in financing

In the worst case, you get the next flare-up, you’re out for 3 months, your employer thinks that’s stupid... and you find no buyer for your place... and then? Do you ring Nordmann?

... and you can no longer pay your rent permanently.
And then?
There is – as with property ownership – something like housing allowance. Or in both cases, you move out/change residence.

Nordanney may well already live in his sixth house, how exactly he got out the property transfer tax of 3.5-6% each time... whatever...

Always sold at a profit. But never mind. Every car loses value, every TV, every phone. After a vacation, money is gone too.
Living costs money – and having to sell a house again can also cost. But no one can take away the 15 years of a great life you had in it.

Unfortunately, you have to be that realistic, even if it hurts. If you go under the ground due to illness, wife and children inherit all debts and are... with dad as sole earner, usually ruined for years (decades)...

1. An inheritance can be rejected. No one has to inherit debts.
2. If you build a perfectly normal house and finance it solidly, the death of the main earner is indeed a tragic fate, but not a financial ruin.

: You really are a total disaster with your advice.

There is continued payment of wages for 6 weeks, in many collective agreements significantly longer, over 100%. After that, 67% for 1 1/2 years. Dismissals by the employer due to illness are very rare. Financially, the risk is likely low. You could try to get a BU, since only the medical history of the last 10 years is queried. However, for me the risk would be significantly too high that the insurance would then not pay. However, for me the equity would be significantly too low.

You can completely do without ypg, she has no children

Don’t always tell such lies. Our children were born before you were even conceived. My grandchildren are older than your children…

So realistically one unfortunately has to be,

You really have no idea what it's like to live with an illness. Just keep scrolling!

How high is the RLV? Try to build up more equity until the properties are offered and then proceed. Who knows what will happen with the interest rates by then. In an emergency, the family has to move out or can service the loan with the money from the RLV.

According to logic, one would always rent only an apartment that the lower-earning partner can afford on their own. You are not tied to a house. Moving is not a disaster. People with children do it more often, I've heard.