General information about us
32 and 27 years old
No children
One child planned
Strategic purchaser, civil servant
Full-time
Income and asset situation
4700€ net
His income increases by 250€ net every two years, three times
Her income also increases
On parental leave (earliest in three years) 1,500€ for her, after parental leave 1,800€ + child benefit
Equity 20K
20K into the project, additionally 20K will be available at the start of construction
Housing costs:
Cold rent 440
Warm rent 670
Electricity 30
Internet 30
Mobility costs
Cars 550 monthly
Vehicle tax 0
Car insurance 0
Fuel 240
Insurance
Private health insurance 300
Liability 0
Disability insurance 30
Household insurance 0
Long-term care insurance 90
Pension provision 80
Living expenses
Groceries 400
Mobile phone 65
Sky/Netflix 40
Is capped by Christmas bonus
Car taxes 500 yearly 42 monthly
Car insurance 1200 yearly 100 monthly
Liability 160 yearly 13 monthly
Household insurance 100 yearly 8 monthly
Total 2000€
Total income and expenses Total income and expenses without Christmas bonus
Total income 4700 Total income 4700
Total expenses 2525 Total expenses 3000
House
Land including notary etc. 80000
House 290000
Additional building costs 55000
Equity 20,000
405000
Additional equity 20,000
Conversion of rent into repayment + ancillary costs (1500)
Remaining 1375 Remaining 1225