House buying - No idea what one can afford

Car is leased/financed, it's almost identical. Each with repurchase right with defect payment or keeping it, etc. We pay 300 euros monthly for it. After the third year the remaining amount is less or the same and then it eventually belongs to you. But roughly the value of the car = remaining amount. Risk is of course covered by GAP.

Employment contracts are permanent and in case of emergency there is also legal protection including labor law.

Well, be that as it may. I am not being driven crazy by the media etc., but with us it is simply that we pay a lot of rent, are no longer 25 years old, and would like to have a house for the child and family. Quite simple actually.

Why I am treated here as if I had taken out 500k at a Russian bank, I unfortunately do not know.

Wrong. There is a huge difference between leasing and financing. You absolutely must first learn how to handle money. Why is there only "beating" here? Do you really not know that? Just start reading again from page 1.

What other people have done at other times is completely irrelevant to you and the present.

Actually, it does have relevance. It shows that does not know or has not understood the basics of (real estate) financing (in particular interest and repayment).

Well, I once had a private lease and now financing with a fixed buyback guarantee, on the residual amount that one could then also settle. For me, the conditions are exactly like leasing. I don't feel any difference there.

I should have simply assumed that here it is more the faction "one doesn't buy anything without having the money," but the reality unfortunately looks different. This part of society only naively doesn't care about anything anymore and doesn't even ask in the forum, but maybe just concludes something under poor conditions.

I really find it a shame that I accept every form of budgeting, whether cheapskate, saver, and so on... there are so many scenarios, if someone has 5 loans and got them, then that's presumably fine, otherwise they wouldn't get them - on the other hand, my view on things is absolutely not accepted and is torn apart.

Yes, it does have relevance. It shows that does not know or has not understood the basics of (real estate) financing (especially interest and repayment).

Please explain where I have supposedly not understood anything about the math behind it or whatever??? I have already anticipated all the things that were being accused of me, such as a house costing more than the purchase price, that you have to pay more interest with a longer fixed interest period, and so on and so forth. And now you say that I do not know the BASICS? What is that supposed to mean? That is simply a lie.

So I once had a private lease and now financing with a fixed buyback guarantee on the residual amount that could then also be exercised. For me, that is exactly like leasing in terms of the conditions. I don’t feel any difference.

Seriously??? Do you really need it explained that with leasing* you only rent the car and with financing you buy the car?

Regards, Steffen

* Private leasing is in nearly 100% of cases the dumbest thing you can do. So far, no one has been able to explain to me even one scenario where private leasing would have paid off

Okay this probably doesn't make any sense here anymore... NO I didn't know that... oh man.

What I'm concerned about is how to get rid of a car after 3 years. That was uncomplicated with leasing and it is with financing as well. Renting vs. buying never affected me in any way during the 3 years and I also didn't feel any difference while driving...