House buying - No idea what one can afford

the entrepreneur with 20k again

The banker without arguments again

No offense, but you're fooling yourself. Vacation and Christmas bonuses are just window dressing for the employee. I don't get that. Why? Because my salary is fundamentally higher than such, I beg your pardon, nonsense.

Then you are not in the collective agreement circle. And Christmas bonus is wonderful, you can pay all your insurances with it at the beginning of January.

Then you are not in the tariff area
And Christmas bonus is wonderful, you can pay all insurances with it at the beginning of January

And you get that because your employer has something to give away? But of course, that must be the case. The 13th and 14th monthly salaries are merely a nice way for the employer to avoid paying you a higher salary from the start. And the whole thing is taxed quite normally as a one-time payment...

Did I miss something or why is Steffen ranting against people with [Abi]?

Because it's Steffen? Sorry - couldn't resist the comment

oh man. a few hours without reading and it's going crazy again

Actually, I wanted to make the argument that interest rates used to be MUCH higher and repayment much lower. What did people do back then? 100k as a maximum? 3.5% interest? OMG how high is that... what was going on 15 years ago?

And repaying 2% is also very little? What was it like 15 years ago? Why not a bit more interest, normal repayment, and then after 20 years there is still a remaining balance, just like it used to be.

Why does it have to be fully paid off in 25 years today? No wonder it’s not affordable monthly then.

BTW - somewhere it said that I went on vacation without having the money. That’s not true, we could just barely pay from the account... man man man.