Home financing ever possible? Probably not!

However, one can be transferred within the federal state. Bavaria uses the measure of relocating authorities and central management areas to economically weaker regions deliberately to develop weak regions. Or to save money in the long term. Nice when you have paid off your little house in Munich and suddenly find yourself near Nuremberg or Würzburg again.

Yes, you are right. You just have to weigh the pros and cons.

Yes, you are right. You just have to weigh the pros and cons.

Unless you are a local government official. Then the transfer is at most from one district to another (at most 10-15 km). As a state/federal official, it is of course much worse.

Anyway, the contributions are fixed for the current contract year and increase the following year. Basically, private health insurance only knows one direction, and that is up.

Not that it would be any different with statutory health insurance. You only pay less there if things go downhill professionally. And especially for the middle class, there is also the nice contribution assessment ceiling, which is reliably increased every year and makes health insurance more expensive even if the salary remains the same. Nobody just sends you a bill though. ;)

Nice, when you pay off your little house in Munich and suddenly find yourself behind Nuremberg or near Würzburg again.

Isn’t that great? Sell the house in Munich, buy a new one near Würzburg, and spend the rest of the money on a nice vacation.

Isn't that great? Sell a house in Munich, buy a new one near Würzburg, and have a nice vacation with the remaining money

Maybe you can think like that when you're 20.
But when you're in your 30s, 40s, or 50s and have invested months and years of your life into a house (and that doesn't just mean the money, but especially the passion of your own work), have put down roots there, and then suddenly get the news that you just have to leave, that's quite a blow. I find it unrealistic to just dismiss it like that.

One might think so when they are 20. But when you are in your 30s, 40s, or 50s and have invested months and years of your life into a house (and that doesn't only mean the money, but especially the hard work and passion), have become rooted there, and then suddenly get the message that you simply have to leave, that’s quite a blow. I find it unrealistic to just brush it off like that.

It may be that you are attached to it and don’t want to be relocated. Financially, however, it is no disadvantage to sell a house bought over 20 years ago in Munich now and buy/build new in a cheaper area. But luckily, this problem does not affect you, since you are not attached to the rental apartment and won’t be attached in 20 years either. You can move gold bars into the new apartment ;)

Maybe you can think like that when you are 20.
But when you are in your 30s, 40s, or 50s and have invested months and years of your life into a house (and that doesn’t just mean money, but especially the passion of your own work), have put down roots there and then suddenly get the message that you simply have to leave, that is quite a blow. I find it unrealistic to just dismiss it like that.

Are you ever going to be done?
What is your mission or agenda here?