How much house can I really afford?

Unfortunately, the 180 is really ambitious. Unfortunately, I am aware of that. The alternative for us, of course, remains the usual: continue to rent and specifically set aside vacation and Christmas bonuses. Do everything for good business performance and we would suddenly have more equity available. It is precisely the low equity that is causing us problems. Is it worth going to the limit that the bank (in our case Dr. Klein) sets? Or is it always very tight and you quickly overextend yourself there? Regards, Henning

No one here can reliably answer that for you, as no one in the forum can reasonably assess your financial situation.

Asking costs nothing – I would just probe in that direction on Thursday...

You are both still young, so you can also plan a longer loan term with lower repayments – you can always make special repayments or (with a longer term) cancel after 10 years if suddenly much more money is available.

In my opinion, it's important that the burden can also be borne with one salary if a child arrives.

Regards,

Dirk

In my opinion, it is important that the burden can also be carried with a salary if necessary, when a child arrives.

Exactly, that’s what matters to us. Especially with the increasing salary and special repayments on my part, it should be significantly easier after a few years. I even considered doing something for 8-10 years first and then seeing how it goes, as the money should be more flexible by then...

. I even considered doing something for 8-10 years first and then see what happens, since the money should be more available by then...

That makes less sense. With fixed interest rate agreements > 10 years, you always have a right of termination after 10 years. If you do not use this right then, you have at least secured the interest rate for the longer total term.

Right, I saw that months ago. Then ~15 years always makes sense in my case. Then check after 9 years how things stand and possibly rebalance.

That's right. In case of doubt, even a longer term – it can't get any cheaper and you are on the safe side.

If you manage to pay off early through special repayments before the fixed interest period ends, that's no problem either.