Home financing - low initial rates / rapid increase?

So from a "moderator" with over 5,000 posts, I would have expected a more constructive contribution.

There you can see what can happen with an expectation, whether regarding a moderator's post or salary expectations.

My post is simply meant to make you think.

Then I recommend this evening reading to you =)

The advertising flyer for IG Metall was deleted by moderation.

Why? I have already been contractually "secured" for 25 years, my husband for 35? years in the automotive industry. But what counts for a house construction and the financing bank is the current state. Nevertheless, I will delete your link because we do not accept advertising links.

Well, I would have expected a more constructive contribution from a "moderator" with over 5,000 posts.

Well, it was formulated a bit harshly. But it seems that Steffen80 rubbed off a little. I'm surprised he hasn't written anything here yet. But Yvonne is basically right, maybe you are approaching the matter a bit too optimistically right now. You should first peel off the eggshells and take my comments, especially regarding equity capital, to heart.

Then your idea can really turn into something nice, but give yourself one moment or another more time. In the end, you'll laugh about it.

Then I recommend this evening reading to you =)

The advertising flyer for IG Metall

Well, I also work in a company bound by an IG Metall collective agreement. But anyone who needs to rely financially on IG Metall or even make their future dependent on the union is certainly not exactly the shining example of an engineer. You can safely consider the annual 3% as just inflation compensation. In my experience, price increases hit especially hard on things that are enjoyable. One more thing: If you, as a collectively agreed employee, hope for big jumps in salary, you might have misunderstood something. You don’t just leave your pay group that easily, and performance bonuses are more like "seniority bonuses." In a small company or medium-sized business, you can try for bigger jumps – without a collective agreement.

So we could currently save about €2,500 per month. If we save for 2 years, that would be €60,000, and if I also set aside the Christmas bonus as well as possible bonus payments, we could reach €70,000.

But I would really like to secure the plot of land beforehand. Because I already have one in mind.