House purchase planning - but completely uncertain

No. But in my opinion, you see it too critically. Or rather, you generalize that it must always be due to excessive luxury living. Just pause for a moment before you start and imagine that there may be other reasons for it. Reasons that not everyone here before you and countless other readers wants to share.

Yes, everyone can do what they want ... that's also okay. Germany needs consumption. But if you don't save anything with a 5k net income, owning property doesn't work if you also have plans like expanding the family.

From when is it considered an xxxl house at an xxxl price? How many % of the salary go into it, for example, so that you can't afford a vacation or a child?

I don't think these flat % rates make sense. That you (presumably) have to make sacrifices, for example on vacation, should also be clear. But you must not let yourself be enslaved by the bank. If you are not able to save anything afterwards and have to turn every euro twice, you did something wrong.

You can do whatever you want ... that’s fine too. Germany needs consumption. But if you save nothing with 5k net, it doesn’t work with real estate if you still have plans like expanding your family

You really don’t understand. Those who so far haven’t been able to save because they had to repay BAföG, or care for a relative and then arrange their funeral, or had to spend money on their teeth, or whatever else, are not brain-dead "consumers". And the past also doesn’t say anything about the future. It’s not just black or white. You should be mature enough to know that.

You really don't understand. Those who until now couldn't save because they had to repay BAföG, or had to care for and subsequently bury a relative, or had to spend money on their teeth, or so on and so forth, are not brain-amputated "consumers." And the past also says nothing about the future. It's not just black or white. You should be mature enough to know that.

Yes, I know, it's always something else to blame. 5000€ net, 1000€ rent. 4000€ per month to live on, BAföG, etc. So all the last years everything was squandered and with the house purchase all problems will be solved? Regarding caring for relatives, there are nursing services and levels of care. From my own experience, I know there are very generous exemption limits before you have to pay anything. So please, just keep things in perspective. I have no sympathy for very well-earning people who have no equity but make demands.

Yes, with black-and-white thinking the world is nicely simple. Sad

Yes, with black-and-white thinking the world is beautifully simple. Sad

Yeah, exactly. From now on, I will show compassion and understanding for everyone ... with a net income of €5,000, more than justified ... so many (luxury) problems