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

Whoever claims to have no loss of income due to birth - let's assume the normal case of a single child - apparently cannot do the math, or they had only lived off capital income before. This applies to employees as well as to civil servants, not to mention the increased cost of living due to the birth.

Yes, we can now name everything that is going wrong, like in [Bild]. that generates clicks no but you are right, many eventualities must be considered. But we are very security-oriented. Before we overextend ourselves, we let it go.

Contributing 20,000 to 30,000 sounds realistic and is certainly doable. We thought it was ineffective and preferred to keep it as a reserve. Therefore, the tip is very good. For example, I already have 20,000 now. Then I will continue saving until the start of the loan and have another 15,000. My wife has somewhat less, but we can certainly contribute 20,000 to 30,000 and have it counted.

If we now choose a financer from, for example, Hanse, how does the calculation work. The regional bank said they only calculate fictitiously. Real calculations cannot be better than theirs.

Anyone who claims not to have any loss of income due to birth - let's assume the normal case of a single child - apparently can't do the math, or has previously lived only off capital income. This applies to employees as well as civil servants, not to mention the increased cost of living due to the birth.

We have already taken that into account. Therefore, less money when the child is there. But as soon as the woman works more again, there is logically more money. We calculate €500 per child. Why immediately the accusation that one cannot do the math?

Whoever claims to have no loss of income due to birth - let's assume the normal case of a single child - either cannot do the math or has lived solely off capital income before. This applies to both employees and civil servants, not to mention the increased cost of living due to the birth.

I actually don't like to correct you there, but for us it is indeed like that (at least if I were to take the full parental allowance instead of parental allowance plus and work 50% again after one year). The family supplement for civil servants combined with subsidies for aid and private health insurance would lead to no losses for us in the first year. But: as said, this presupposes that I would have to work 50% again after one year, which I do not want. But it would be possible.

My wife definitely wants to work again after one year

My wife definitely wants to work again after one year

But you are not a civil servant. To fully benefit from the subsidies I mentioned, you would have to stay at home and then switch to part-time. ... It would make sense financially, think about it