House purchase planned at the beginning of 2015 - No equity

Yes, in the area of buying or building a house, that’s peanuts. I’m sure anyone here can confirm that.

Here I have to agree - as much as it pains me.
10,000 euros are gone in no time.
Just think of the realtor fees when buying a house and those 10,000 are gone down the drain.

And then there are still notary fees, real estate transfer tax, expert before the purchase...

Nothing is renovated yet, no new furniture or kitchen... 10,000 € is spent quicker than you can even say house purchase.

Hi,
I am aware of all the additional costs involved in buying the house, it’s not like that. We were also thoroughly informed about this during the consultation.

However, I have now singled out two essential aspects for myself:
a) Optimize the household budget and savings plan, there is clearly significant potential here.
b) Build up larger reserves and pool them together in spring.
c) Ideally, buy a renovation-requiring house with solid structural components (walls, basement, foundation, roof) – no, not entirely serious, but the basic idea of a compromise is starting to take root.
d) Postpone the house purchase.

Whether it will be a compromise of all these things, I will first observe. I am now going to approach it "calmly" and then draw conclusions around early 2015. The main pressure point is that we will then need a larger apartment, can build up fewer reserves, and of course will not be repaying loans during that time. The cat likes to bite its own tail here... that must and should not be forgotten.
As described, since we also have a permanent tenant in a multi-family house and the additional costs would be capped by her, there is still the option of luck – acquiring a house through private contacts on fair terms.
I also don’t think this arrangement is quite that common.

less reserves can be built up and of course no loans can be repaid during that time. The cat likes to bite its own tail there... that must not and should not be forgotten.

And not to forget the people who, because of this way of thinking, lose their house in foreclosure. Usually, that is the beginning of the end. You have to be able to afford a house – you can’t even cover the broker’s fee with 10,000. You usually cannot finance that – especially not if you only get a loan because of a good impression. The bank also calculates very precisely... There are always people who, for this reason (little equity), simply have to remain renters.

As described, since we also have a permanent tenant in a multi-family house and the ancillary costs would be capped by this tenant, the option left is luck – through private contacts a house at fair conditions. I also don’t think this setup is quite that common.

Rent must be taxed – not much remains then. Your calculation no longer adds up.

Well, that's pretty half-baked, the rent has to be taxed - why should it be any different? However, you can get part of it back tax-wise, plus you have further advantages when it comes to granting credit and can access better conditions for the rental unit. I don't really have to worry about my equity, it's anything but little, even if I don't yet count among the top earners, but that may still come. Finding a property without commission is difficult, but equally doable. So slowly I'm starting to wonder how much more counterproductive it has to get. I probably hardly outed myself as naive.

But, somehow that exact impression remains here.