Kuota88
2019-05-29 20:52:38
- #1
Just for comparison. We have exactly the same loan amount of 480k and also a net income of 4.9k with 2 small children. However, we only work 80% and 50% respectively. Furthermore, we have 2x 13th salaries plus bonuses and overtime. Our rate is 1770 EUR. Childcare costs here nothing or only the meal money. I think it’s okay for us. Thanks to the 13th salaries and bonus, about 10k extra per year comes in and if things really get tight, we could both increase our working hours. Without these special payments during the year and the possibility to increase hours, I wouldn't have taken on such a loan amount.
That almost sounds relaxed, thanks for the comparison and openness.
The fact is, we would like to build, if necessary just smaller. We currently pay 550 euros rent for 55 sqm (no increase in the last 5 years) and we are still only two. If we had to look for a 3-4 room apartment, which we would definitely need with one child, it would surely be 800-1000 euros... money that gets pushed onto others.
Sure, it can get tight with 4800-5000 euros (and that is 100% for us), but others manage it too and we currently think we can handle it too... nothing is signed yet.