Home financing ever possible? Probably not!

Hello,

If pensions and retirement benefits simply can no longer be financed, people will hardly reduce the pension level to 30% while civil servants continue to receive 70%.

Yes, exactly that will happen, the decision-making levels are far too permeated with civil servants for that.

Best regards,

Andreas

From my point of view, the strongest argument for becoming a civil servant is the job security if you are a civil servant for life.

In my opinion, it is also an advantage that after 5 (?) years you are very well protected in case of disability (very good compared to Hartz IV/Bürgergeld/disability pension). As far as I know, this is why the hiring thresholds regarding health restrictions or overweight were/are high. I know civil servant families who, for exactly this reason, preferred to pay for the treatment of their children’s (mental and other) illnesses entirely themselves, without any insurance benefits, so that their children cannot be "so easily" denied entry into the civil service career.

One must not forget that as a (state) civil servant, one is less mobile. My wife is employed as a teacher with tenure at the regional church. For me, this means that job changes are only possible within our federal state or, alternatively, remotely. So even civil service has its disadvantages...

I know, I am totally uncomprehending and uneducated, that I just don’t want to admit that the free market regulates everything and you simply have to swallow it – I am so stupid – sorry!

Not stupid. Just dishonest. I once wrote here:

“What do you do with your money? We have a similar income, no children, and €1,500 fixed costs/month for housing. Very comparable.
We have an additional €280 expenses for a part-time degree.
We spend well over €100 on groceries weekly (hobby: good cooking).
We sometimes order food in the evenings or go out.
For fun, there are a few subscriptions and excursions.
Nevertheless, we have a €1,200 surplus every month. Even though we live well and not frugally.

YOU(!) should calculate where you’re spending all the dough before whining here that you couldn’t afford a property with €5,200/month. Of course you can, with a reserve.”

Why you can’t buy a property with that salary and pay it off before retirement still remains unclear. It is simply claimed to be so – although the numbers and the experience of many similarly situated people contradict that.

That's true! And the reasons have now been sufficiently stated, but it's simply not accepted to say that you don't want to buy a house if you still haven't paid off a loan even after death. (By the way, I have never denied that we could get a loan for a house purchase.) Don't get me wrong: I also wrote this at the beginning, I am not blaming anyone here, I just didn't expect to encounter such incomprehension, since ultimately everyone is affected by it.

I summarize: You are surprised in a house construction forum that your point of view receives an increased echo of incomprehension. Or in other words: You are surprised that there are no vegetarians in the wolf pack? Exactly my humor. I have a question, and it was already asked to you a few pages ago: What is your task or your motivation for throwing such a fox into the henhouse here? Do you have the week before Christmas off and just wanted to troll here nicely? I can't currently see any other reason.

I find the discussion about the civil service interesting. Since I am switching from the private sector to the civil service (the other way around?), I can already say that I am even giving up a considerable amount of salary in the higher service A13. Since I am not taking this path for financial reasons, that is okay. But it IS the case.

Conversely asked: If it is so comfortable, well paid, and full of benefits, why are so many A13 positions at schools vacant and remain so? Especially in STEM? Because with the appropriate education you simply earn more elsewhere and at the same time avoid the surprisingly demanding part of the job dealing with students or even worse, parents (own experience). The positions seem not to be filled by people who specifically want this in their profession.

Just something to think about, because parents with business jobs can only focus on it if the education and care of their kids has been outsourced. This applies to many services provided by the public sector. No one is an island.