House purchase - What can we afford?

Right! Therefore, it can sometimes be worth having the parental allowance paid out in halves. In our case, it even came down to a four-figure amount that we saved. Of course, it also depends on whether half the money is sufficient and how work is planned during that time

But only if you want to stay at home for longer than the 12 months anyway.

Furthermore, it should be noted that new parental allowance regulations will be introduced as of 01.07.2015.

But only if you want to stay at home longer than the 12 months anyway.

No, because the reference period is still only 12 months, after that you are allowed to earn fully again.

Whether the classic splitting is still possible after 01.07., I do not know yet, I will look at the application only in these days.

No, because the reference period is still only 12 months, after which you are allowed to earn the full amount again.

What does it mean to have it paid out halved then?

Explain to me again about the tax class... the choice between 3/5 or 4/4 or 4/4 with factor does not matter and only results in higher or lower back payments?

For the tax, yes. Ultimately, the wage tax is only an advance payment towards income tax.

For parental allowance, however, the tax class is significant because the parental allowance amounts to about 65% of the net salary. So the higher the net salary, the higher the parental allowance (as long as the maximum limit of €1800 is not exceeded). If you pay a little more in advance by switching to tax class 5/3 than in 4/4 or 3/5, you can get that back through the tax return.

Thank you. Understood. Many thoughts for nothing :D