Home financing ever possible? Probably not!

2022-12-20 23:10:41

But luckily this problem doesn’t affect you, since you’re not attached to the rental apartment

That’s true! And the reasons have now been sufficiently stated, but it’s just not accepted to say that you don’t want to buy a house when you haven’t even paid off a loan yourself, not even in death. (By the way, I never denied that we could get a loan for a house purchase.)

Don’t get me wrong: I wrote that at the beginning too, I’m not blaming anyone here, I just didn’t expect to encounter such a lack of understanding, since ultimately everyone is affected by it

2022-12-20 23:28:23

Don't get me wrong: I wrote this at the beginning too, I'm not blaming anyone here, I just didn't expect to encounter such lack of understanding, since ultimately everyone is affected by it

Well, after it has been explained to you 10 times that it should be easily possible with your income (note the subjunctive, who knows what cars you drive or vacations you take), the understanding is simply limited. It is neither unaffordable for you nor for your district. There are plenty of houses for 300-400k. Do the most important things before moving in or have them done, and the rest gradually. As a couple, you don’t necessarily need a whole house anyway; you can also fix up individual rooms while living there. Anyone who has been active in this forum for longer has solved the problem one way or another.

2022-12-21 00:32:13

but it is simply not accepted to say that you do not want to buy a house when you have not paid off a loan even in death.

Because that is also a nonsense argument. Especially if you do not want children. What on earth does the loan interest you if you should pass away? Instead of rent, you pay a loan.... so what? The only difference is that you can live in completely different properties.

Buying is always cheaper than renting: e-scooter, car, house... no matter what. You just have to use it regularly (not move). You exchange the landlord's service (expensive) for self-service (cheap).

2022-12-21 06:02:21

My parents were civil servants and we once tried when my brother urgently needed an appointment... he, public health insurance (GKV), got one in 3 weeks, my father, civil servant with private health insurance (PKV), got one the next day. Someone had 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 police officer, who earns 2,800 EUR gross on the A9 salary scale, he gets 2,375 EUR net. From that we deduct about 250 EUR for private health insurance, leaving us with 2,125 EUR.
Now let's take a garbage collector, who could hardly be less important for our society. He also earns on average about 2,800 EUR. Net he has 1,900 EUR left.

And as a reward, the garbage collector gets a pension level of 48%, whereas the police officer gets 70%.

Oh, and the right to strike... Civil servant salaries are generally adjusted to the negotiated agreements of their non-civil servant colleagues... so this is pure fiction.

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

You may also compare the respective training and knowledge. In case it hasn’t been noticed yet: in Germany, people are not paid for their usefulness to society, but for how hard it is to replace them by other potential employees.

2022-12-21 07:43:27

Hello,

Sad indeed, but I have to agree. Pensioners indulge in a security that does not exist. Money does not fall from the sky; it has to be earned.

That is not true. Unfortunately, pensioners really have an almost absolute security. Pensions will be the very last thing that this state will still pay, even if it is already bankrupt and has practically stopped all other tasks. Hell will freeze over before anyone in this country cuts pensions to a realistic level.

Best regards,

Andreas

2022-12-21 07:48:00

Morning,

That is not true. Pensioners unfortunately do have an almost absolute security. Pensions will be the very last thing this state will still pay, even if it is already bankrupt and has almost completely ceased all other tasks. Hell will freeze over before anyone in this country cuts pensions to a realistic level.

Best regards,

Andreas

Ultimately, that, job security, and private health insurance are also the only benefits left to the civil service...

In the private sector in comparable fields, one can earn SIGNIFICANTLY more money. Here with us, civil servants still "work hard" 41.5 hours – which is certainly no benefit either. Additionally, civil servants generally do not receive Christmas bonuses / holiday pay, and salary increases by agreement are also not possible. Unfortunately, home office is still absolutely not an option in many municipalities/cities.

The public service MUST be able to offer the aforementioned advantages, otherwise public service will receive fewer and fewer university graduates and especially the small municipalities will search in vain for personnel (which is already the case today)... Citizens only partially perceive this problem, but as a result, a lot of community life and development within the municipality breaks down, which is already truly catastrophic at present...

I believe non-public service employees today are not even aware what a pillar would collapse or is collapsing if the public service continues to be "degraded" further...

Similar topics
30.10.2008	Credit vs Cash Payment	15
03.11.2008	Does a student get credit?	20
26.10.2013	Does owning horses/age influence the chance of getting a loan?	10
25.01.2014	Financing: Restructuring of KfW loan for the condominium	18
06.08.2018	What do you get for 1000 euros/month in credit?	19
11.07.2015	480,000 loan too high, experiences?	36
21.02.2015	Impacts on loan when equity is in property	17
18.03.2015	Buying property feasible - Loan with building savings as equity?	12
28.09.2015	Take more credit or sell?	22
12.10.2015	Bank margin on credit	33
08.02.2016	Cancel the loan and accept a better offer?	37
17.02.2016	Loan with annuity loan and 2 linked building savings contracts	47
11.09.2018	Buy an apartment on credit and rent it out	37
26.07.2016	Calculation of equity capital in connection with KfW loan	28
30.11.2016	Only one credit component or several credit parts?	19
24.12.2016	Right of withdrawal from the loan	16
22.01.2017	Financing for house construction - desired loan / open credit	22
17.06.2017	Credit despite self-employment	15

Home financing ever possible? Probably not!

Benutzer205

WilderSueden

Tassimat

Joedreck

andimann

Prager91