Home financing ever possible? Probably not!

And even if one finances for more than 30 years: One of the two [TE] is a civil servant and will therefore receive a generous pension.

Whether the pension of over 70% will still be that generous in 30 years I dare to doubt. It will more likely head towards 50%.

Uh no. Civil servants waive various rights, including the right to strike. Furthermore, they have a special duty of loyalty towards their employer. In return, they are compensated according to the so-called alimentation principle. If that were to disappear today, the entire civil service would collapse. And that is unthinkable.

That's true. But whether the pension system has already collapsed beforehand if we don't all want to work until 70 is also unknown.

Whether the pension of over 70% in 30 years is still that generous I dare to doubt. It will more likely steer towards 50%.

That’s true. But whether the pension system collapses before that, if we don’t all want to work until 70, nobody knows either.

However, the civil servant pension has nothing to do with the statutory pension insurance. These are two completely different systems. Therefore, the collapse of one initially has no impact on the other.

If this is eliminated today, the entire civil service will collapse. And that is unthinkable.

Not overnight, but of course it could be abolished. Why not? A mail carrier is no longer a civil servant either. Addendum: There are tenured teachers and teachers who are only employed. Same work, different pay. Which I find quite unfair at this point.