How is a 400k loan financible without equity? Net equity at €4,500

Woulda, coulda, bike chain. It doesn't matter at all.

That was just my response to his statement that my assumption to save money in his situation was wrong. I think I am quite entitled to revise that.

Hello
as already writes, please fill out the questionnaire about income and expenses.

You will definitely get the loan. But that's not why you're asking us.

I am also unsure how much you should have left in the end. That is something everyone will have to decide for themselves.

We have very expensive cars. Together 800€ leasing per month.

how should we have saved more? We both studied beforehand? Therefore I find this statement incorrect

Don’t get me wrong, I spend a lot of money on cars (and watches) myself, but to say that it was not possible to save is simply wrong here.

Let's do a rough calculation:

4,500 € net income
450 € car leasing
approx. 300 € insurance (car, liability, household contents, house, etc.)
approx. 300 € additional costs (2.5 € per sqm)
1,250 € installment (but this will hardly be enough)
200 € fuel (I don’t mean alcohol here )
100 € (Netflix, internet, [GEZ], mobile phone)
200 € (reserves (maintenance, replacement washing machine, whatever...)
Leaves 1,700 €.
Do you perhaps still pay private retirement provisions or have other loans running?
What about, for example, the servicing of the cars, which is then incurred twice. That’s easily 600-1000 € per year. So 50-80 € per month.

Personally, I calculate with us (three-person family) about 1,750 € expenses for food, clothing, going out, etc. But we are also a consumption family.

And caution, personal opinion:
If you are married, I don’t understand why two accounts are opened? One saves this much, the other that much. For us, it means one family, one account. It doesn’t matter whether the woman or the man earns more. We earn it together. If you are not married, then clarify in writing beforehand what will happen with the house if:
a) Something happens to one of you
b) You separate.

Otherwise, I keep my fingers crossed.

Hello
as already wrote, please fill out the questionnaire about income and expenses.

You will definitely get the loan. But that's not why you're asking us.

I am also unsure how much you have to have left in the end. Everyone will have to decide that for themselves.

Don't get me wrong, I spend a lot of money on cars (and watches) myself, but to say that it was not possible to save is simply wrong here.

I agree...

especially the high item with the leased cars... The ownership is also missing somewhere.. So I am also unsure whether this could all go wrong. But yes, we should wait for the questionnaire, there are too many uncertainties and missing details that are still extremely important.

Where is the problem? a: You are 32 and have practically saved nothing = minus point b: How do you come up with the idea that if you live in a (compared to the apartment) more expensive house, you can still save a lot? So far you haven’t been able to do that either. Don’t you want to live? c: What is so bad about maybe buying a cheaper house now (used)? d: Why does the house have to be paid off by retirement?

fullest agreement

If you have not built up any equity at all with a comparably cheap rent and 2 full net salaries, how is financing a house supposed to work then.

And 400 € gross every 2 years. Each of you? Both combined? We are then talking about 200-250 € net more every 2 years. There is also such a thing as inflation. Expectations rise with the house.

I find it hard when someone builds a house and then has an old Polo, shops at KIK and vacations at the local swimming pool.

Everyone has to decide for themselves

Should we have saved more? We both studied before? Therefore, I don't find this statement correct.

Rent is 700€ including utilities. There won't be double costs since it's my father's apartment. We have very expensive cars. Together 800€ leasing per month. These will expire soon and we will limit ourselves to 450€ in total. I work in the car. I only have 70€ fuel costs left. She has 120€. Each of us currently has 1000€ free to use, of which we save 500-700€, depending on costs. We don't treat ourselves much.

Yes, and who finances the new cars then?

Leasing is one of the worst options for private individuals. It's nothing but an expensive loan.

There are only advantages if you can write it off.