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

Well, you have to expect this kind of feedback when you are in your early 30s, (initially according to your own statements) have zero equity, despite your supposed frugality spend €800 leasing rate on an expensive car, and after service of the capital have €1000 cash lying around at the end of each month. A certain conflict of objectives is obvious and is also clearly worked out in the unmistakable manner of one or the other with regard to certain fluctuations in the information. But well. Before it closes (HaHa) a constructive comment from me: 290,000 turnkey Hanse in Hesse I still doubt. Now and even more so in 2 years. All the best to you,

Not everyone of them will reach your own level on the intelligence meter, not everyone enjoyed the same upbringing (meant completely neutrally) and has been taught the same values and norms. It starts with the need for security, goes through "common sense" up to interfering / presumptuous behavior. Emotions always play a role in this, also in other people. Fears, envy, projection.

So in this room full of people you basically assume that you are the smartest ("reach"), best raised ("upbringing"), and best off ("envy")?

Then the sincerely meant advice of a smarter and wealthier advisor in the room simply bounces off you. All too often very politely phrased warnings are not understood as what they are supposed to be. Because secretly, when asking such a question, you rather expect encouragement, confirmation, and support. After all, you have been dealing with the question for a long time and usually have already subconsciously made a decision somewhere. Intelligence also includes taking from the answers over many pages what helps you content-wise – even if it may be phrased snippily. Because the decision of the OP for or against something can and will not be made here by anyone else for him. He must (has to) do that alone, of course over 18 – naturally with all big and small consequences.

Well, you have to expect that kind of feedback when you’re in your early 30s, (initially by your own account) have zero equity, despite your supposed frugality put €800 monthly leasing into an expensive car, and after paying capital service want to have €1000 cash left at the end of each month. There’s obviously a certain conflict of goals and it’s clearly elaborated in the unmistakable manner of one or another also regarding some fluctuations in the figures. But well. Before this thread gets closed (HaHa) a constructive input from me: 290,000 turnkey Hanse in Hesse I still doubt. Now and even more so in two years. All the best to you,

Yes, I forgot that everyone who has nothing at that age must be ostracized. That doesn’t speak of intelligence. And it’s outrageous when both drive a car for 400 including service per month. Because we have been working full time for one or two years, were previously single and hadn’t even thought about building a house. We just wanted to treat ourselves after exhausting years. Shame on the consumer society. And it’s true Hanse Haus only builds from 300,000 upward. No matter how many sqm. Because you know. I thought about 2,000 per sqm. If I only build for 130 sqm, is that also immediately 300,000? Oh, and I forgot you have to drive an expensive car. Because how does that look. Expensive car but a bike in front of the house? Thanks to you all :-*

Yes, I forgot that all people who have nothing at that age must be ostracized. That doesn’t show any intelligence. And it’s outrageous when both drive a car for 400 including service per month. Because we have been working full-time for one or two years, were single before, and didn’t even think about building a house. We just wanted to treat ourselves after hard years. Shame on the consumer society.

and it’s true Hanse Haus only builds from 300,000 upwards. No matter how many sqm. Because you know. Thought about approx. 2,000 the sqm. If I only build for 130 sqm, is that still 300,000? Oh, and I forgot you have to drive an expensive car. Because how does that look. Expensive car but a bike in front of the house? Thanks to you :-*

You are not poor, nor over-indebted. But you also won’t manage a house. Just the constant contradictions in the numbers alone. Again, you will get a house financing. You won’t be happy with it. The income situation, kids, missing savings rate. It is unfortunately also a typical picture that someone creates a thread, asks for feedback. But woe betide if the shoulder patters are not around. Anyone who gives even halfway negative feedback is stupid, dim, a jealous person and a hater. Signed, banker with a net income more than you both together and only one apartment that will soon be paid off

You are not poor, nor overindebted. However, you will not be able to manage a house. Just the constant contradictions in the numbers alone. Again, you will get a home loan. You will not be happy with it. The income situation, children, lack of savings rate. Unfortunately, it is always a typical picture that someone creates a thread, wants feedback. But woe if the shoulder patter are not around. Anyone who gives even halfway negative feedback is stupid, foolish, a jealous person and a hater. Signed, banker with a net income higher than you both combined and only one apartment that will soon be paid off

Sorry, but that is simply nonsense. With 4,500 net, you can, if willing, easily repay a loan of 400,000 – provided you refrain from putting aside an additional 1,000 euros every month.

Sorry, but that is simply nonsense. With 4,500 net income, if one is willing, one can easily pay off a loan amounting to 400,000 - provided one refrains from additionally setting aside 1,000 euros every month.

That is also not our goal we know that it is not possible