House found - financing possible?

You are not doing badly, but you are just very anxious – which also causes a great strain on your household budget: leasing cars only for 12 months is considerably more expensive than with the usual terms (especially if they are new vehicles). Do you at least use the (in my opinion even practically obvious) option to lease used vehicles (returns from 36-month leases)? What I don’t understand is: how you on the one hand present yourself as someone who only spends money that is already there, yet on the other hand has to pay 1.5k monthly for loans. That sounds contradictory to me.

I can lease cheaply through my employer. Maintenance, insurance, and tax are already included in the leasing fees. It’s a new car every year. Of course, I could reduce that, but a used car also costs a lot of money in repairs if something happens. How should I have saved more money at 33 years old already? After finishing my Bachelor’s and Master’s and repaying the student loan, there simply wasn’t more possible besides the above-mentioned equity with a savings rate of 2k€ per month. I could continue to live in a rental and save (to then have 150,000€ at 40 less inflation) or improve the family’s quality of life now with a semi-detached house and long-term debt. I have no other option to acquire property without repaying a long-term loan.

I would take a close look at the building structure. Is there a basement? Solid house or timber frame?

Settlement cracks in the roof are, in my opinion, not normal. After 20 years, I still have none. With walls, it can happen more easily.

At that price, you shouldn't hesitate too long. Otherwise, someone else will buy it.

I can lease cheaply through my employer. The leasing fees already include maintenance, insurance and tax. Every year it's a new car. Sure, I can reduce that, but a used car also costs a lot in repairs if something happens.

So why do you still have car insurances separately in the table? It all fits quite well. But you forgot the building insurance. That will probably be balanced out by the double car insurance. ;) Why is a cheap lease rate 2.5 times as expensive as your wife's? o_O

I would take a close look at the building fabric. Is there a basement? Solid house or timber frame?

Settlement cracks in the roof are in my opinion not normal. I still don’t have any after 20 years. They can occur somewhat more easily on walls.

At that price, you shouldn’t wait too long. Otherwise someone else will buy it.

No basement, solid brick house. I know it exactly the other way around. Back in my studies, we were always told that a house must move if it is well built. When I talk about settlement cracks, I mean a roof slope in the converted attic where the wallpaper now shows a small gap after 10 years. There is actually no time for an expert. Separation couple, both moving out in December. We can only give him the go-ahead until Sunday, otherwise he will hand it over to an agent who will probably list it for at least €350,000 (there is nothing comparable on the market up here, within a 20 km radius).

Why do you then still have separate car insurances in the table?

Everything fits pretty well.

But you forgot the residential building insurance. That will probably be offset by the double car insurance. ;)

Why is a cheap leasing rate 2.5 times as expensive as your wife's? o_O

Because my wife insures her car separately. Thanks for the hint about the residential building insurance. Is there a rough value for that?

Because I have a big car (75k list price), she has a small one.

Back then during my studies, it was always said that a house must move if it was well built. When I talk about settlement cracks, I mean a sloping roof in the converted attic where the wallpaper now shows a small gap after 10 years.

Are you an expert? Then you can judge that quite well yourself.