Henny0710
2015-05-18 16:58:51
- #1
Hello,
just briefly beforehand, don’t be surprised, I already asked this question 1 1/2 years ago but with significantly less equity and by now we also have a larger plot of land which is worth more. The previous one is now owned by my parents but that probably is not relevant right now.
So briefly about us (She 26/He 27).
Living in Lower Saxony near Hanover.
Both have permanent jobs.
She is a physiotherapist / He is a technician in the public service.
Income: She 1300 net / He 1600 net (salary increases through step ups) + 450 euros mini job
Together 3,350 euros net
Rental apartment: current warm rent of 615 euros for 2 persons at about 100 sqm.
Plot of land worth 70,000 euros available and paid.
Equity 45,000 euros in a savings account.
Building society savings contract for over 150,000 euros concluded and only matures when we pay the 45,000 euros from the savings account into the building society savings. I have roughly calculated the 45,000 euros for all possible incidental costs.
Outdoor facilities such as fences and paving will be done by my father (construction contractor/civil engineering) and will be given to us as a gift.
We save 1,500 euros monthly and add that to our savings account.
We do not have any child(ren) yet, but preferably this or next year.
The plan is that after a year of parental leave she will go back to work.
Again the important question as back then
What do you think, can we afford a house?
just briefly beforehand, don’t be surprised, I already asked this question 1 1/2 years ago but with significantly less equity and by now we also have a larger plot of land which is worth more. The previous one is now owned by my parents but that probably is not relevant right now.
So briefly about us (She 26/He 27).
Living in Lower Saxony near Hanover.
Both have permanent jobs.
She is a physiotherapist / He is a technician in the public service.
Income: She 1300 net / He 1600 net (salary increases through step ups) + 450 euros mini job
Together 3,350 euros net
Rental apartment: current warm rent of 615 euros for 2 persons at about 100 sqm.
Plot of land worth 70,000 euros available and paid.
Equity 45,000 euros in a savings account.
Building society savings contract for over 150,000 euros concluded and only matures when we pay the 45,000 euros from the savings account into the building society savings. I have roughly calculated the 45,000 euros for all possible incidental costs.
Outdoor facilities such as fences and paving will be done by my father (construction contractor/civil engineering) and will be given to us as a gift.
We save 1,500 euros monthly and add that to our savings account.
We do not have any child(ren) yet, but preferably this or next year.
The plan is that after a year of parental leave she will go back to work.
Again the important question as back then
What do you think, can we afford a house?