Home financing ever possible? Probably not!

Not overnight, but sure, you could abolish it. Why not?

Because it is enshrined in the Basic Law. To abolish the civil service, you would have to amend the Basic Law.

My parents were civil servants and we once tried it when my brother urgently needed an appointment... he, statutory health insurance, got one in 3 weeks, my father, civil servant private health insurance, would have gotten one the next day. Someone just canceled a second before his call... yeah yeah ;)

When he said "Then please give the appointment to my son..." there was awkward silence...

If we now take the policeman who earns 2,800 EUR gross on the A9 pay scale, he takes home 2,375 EUR. From that we deduct about 250 EUR for the private health insurance, leaving us with 2,125 EUR.
Now let's take a garbage collector, who is hardly less important for our society. He also earns around 2,800 EUR on average. Net he takes home 1,900 EUR.

And as a reward, the garbage collector gets a pension level of 48%, while the policeman gets 70%.

Oh and the right to strike... civil servant salaries are usually adjusted to the successfully negotiated agreements of the non-civil servant colleagues... so that's purely an empty promise.

I don't want to badmouth it either. Anyone can become a civil servant. But one shouldn't pretend that civil servants have meager pay, endure incredible duties, and bear an extraordinary responsibility for the functioning of our society.

The private health insurance (PKV) does not come as a gift with the appointment certificate. It is correct that you become eligible for aid and thus only pay 50% (with children you receive a higher rate) of the contributions, of course from your net salary.

The contributions in the private health insurance are fixed amounts completely independent of the salary level. But you only have to insure yourself for 50%, the other 50% are covered by the aid, which corresponds to the employer's share for employees.

Because it is anchored in the Basic Law. To abolish the civil service, the Basic Law would have to be changed.

Uhm... yes... Article 33 Basic Law, paragraph 5. But who reads that...

It basically says nothing more than "The federal states and the federal government have to decide that."

The contributions in private health insurance (PKV) are fixed amounts completely independent of the salary level. But you only have to insure yourself for 50%, the other 50% are covered by the subsidy, which corresponds to the employer's share for employees.

Tell me... why does anyone even choose a civil service career in the lower, oh no, simple service when it brings no advantages except disadvantages, suffering, and ridicule?

The contributions in private health insurance (PKV) are fixed amounts completely independent of the salary level. But you only have to insure yourself for 50%, the other 50% are covered by the government allowance (Beihilfe), which corresponds to the employer's share for employees.

Exactly, and that's why a civil servant career with A6 is significantly less attractive than with A12. The amount of the contribution remains the same.