House planning completed - Is financing realistic?

:rolleyes: did I write that, dude? Not scared... let’s say... down-to-earth! Of course we manage well. It’s just meant as a representation for those who roughly calculate a financing with a small salary but big wishes. Often living costs are calculated too low over years and placed on special repayments that can never be paid. As you already write: the additional costs of a property also add up quickly.

wasn’t meant to be mean, just a bit too conservative :cool:

Sure, you have to stay grounded, but if, exaggeratedly speaking, you should only risk it with your conditions... 95% of homeowners probably gambled irresponsibly :D

My dad paid off his place this month... you don’t even want to know how he did it. Thirty years ago it was a completely different story. He was the sole earner, 3 (!) kids, mother a housewife... and after the first fixed interest period ran out, he really hit the jackpot... back then it was the all-time high interest rate with a slim 9.2% (!!!) interest. He still managed it, we lacked nothing. We just drove small cars and vacation was mostly at home in the garden.

was not meant to be mean, just a bit too conservative :cool:

No, just look at the OP’s initial thread, with what means the financing is fought for.
It only takes something different than p l a n n e d once, and it no longer works.
This tense planning over years does not work. Even less so as a couple than alone.
There is quite a bit of exaggeration (for the salary), too low living costs stated, and the child planned for the year... the house just has to fit the salary, and here it does not (my opinion)