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

Have fun and success!

That is not our goal either, we know that it is not possible

Then adjust the rate at the beginning for maximum repayment and lower it during the time with children. And suddenly, the world looks completely different.

400k will not be enough. You are trying to build and finance according to budget. Desired equity not available. Child planning not completed, cars rented expensively. You don’t even have a house construction calculation. It will not work. Your scenario: expensive follow-up financing, drama at the kitchen table

So, why you quote me on this is unclear to me, but: of course it can work. What you are saying right now is simply nonsense. But some say it is always like that...

By the way, Werder didn’t have a fun season either and, with luck, got into the relegation against HSV – and HSV still kept the league in the relegation!

HSV has to get into the relegation first, just as a side note.

I meant that Werder would be lucky to face HSV. Heidenheim will be the tougher opponent.

Then adjust the rate at the beginning to the maximum repayment and lower it for the time with children. And voilà, the world looks completely different.

So, why you quote me here is beyond me, but: Of course that can work. What you are saying right now is simply nonsense. But some say it’s always like that...

HSV has to get into the relegation first, just so you know.

Absolutely. Thank you

the questionnaire was extremely helpful and so was the feedback. We are now planning more cautiously and building in more buffer. And if we have to make cuts at home, that fits. And if there is no buffer left, we can’t build. That’s just how it is.

I meant that Werder would be lucky to face HSV. Heidenheim will be the tougher opponent.

Go HDH! Sorry for OT.

Have fun and good luck!

Thank you. And also thanks for your hints. We will not take up 400k and think we don’t need a buffer in it and are sewing everything tight. There has to be a buffer included. No question about it.