How much house is in it?

Some can only afford the house because they have to enter into short interest rate terms, otherwise it’s not affordable. To me, that’s speculation, especially when expenditure increases are foreseeable.

But you are reading along, right? We don’t have to enter into a short interest rate term. We would "easily" manage 20 years, even 25 if everything goes smoothly. Expenditure increases are not foreseeable but theoretically possible, whereby we could counteract well up to a certain point through savings in other areas. And honestly? For whom are expenditure increases, in the definition you use, not "foreseeable"? Honestly, slowly I really feel like I have to have children tomorrow just because I have ovaries. I really wonder how I managed to stay child-free for the last 10 years. It almost seems impossible. Does everyone automatically have to have children within the next 2 years if they think about building a house? Sure, often that goes hand in hand. But there can well be exceptions. Is it so absurd to want to address the topic of children only when one has achieved something professionally in life and realizes enough salary in the household so that the thought of children "pays off"? ("Pays off" in the sense of: Can you then offer the children something when they are there, or is it not even worth thinking about because you can’t anyway)

My wife and I have a large salary gap. If I stop working, there is no more house. It’s that simple.

And for that, she also has to politely and nicely say "thank you, thank you" every day, right?

I think most of the topics that are coming up here have already been discussed plenty in the forum.

I see only one single advantage in all the information you provided, and that is, you are both barely 30 years old.

Therefore, if you want to do it, make sure to have an annuity (interest & repayment) of at least 5%. Try to get at least a 15-year fixed interest rate. Because that is exactly what constitutes a healthy financing in the current interest rate phase besides the 20% equity. Since you do not have the 20% equity, you should at least manage the annuity.

These are now factual facts without making any theoretical planning.

Good luck. I'm out here

You are reading along, right?

Yeah. But I wasn’t really referring directly to you, but rather to the two guys I described as a pattern.

And for that she also has to say "thank you, thank you" every day, right?

We thank each other for our performance, so yes.

The message was actually that the "loss" of a house is not the end of the world, so it doesn’t require insurance coverage for decades, just as the house is not acquired by birthright. For that, the average person has to work continuously. If they don’t, there is no house. Fair deal. But generally, a house has to be held forever, absolutely paid off before retirement, etc., all symptoms of the same mindset. You can share that view or not.

Sorry, then I was unjustifiably bitchy...

The message was actually that the "loss" of a house is not the end of the world, so it does not require protection over decades, just as the house is not acquired by birthright. For that, the normal person has to work continuously. If they don’t do this, there is no house. Fair enough. But generally speaking, a house must be kept forever, definitely paid off before retirement, etc., all symptoms of the same mindset. You can agree with that or not.

I generally agree with you there. The loss of a house is certainly not the end of the world, but wanting to avoid it is also not wrong. I just personally don’t want to set up a plan for 30 years when I can roughly plan at most the next 10 – and that only taking into account many “ifs.” Everyone should understand that it will certainly not be easy here or there (except, of course, if there are several million in equity in the account, but then you don’t ask about fixed interest rates, you just pay for a house out of petty cash). And that we don’t just “build a house quickly” and then live in luxury, preferring to spend the money for the installments elsewhere, should also be understood. Although I would also prefer to have the house paid off before retirement. But when it comes to retirement in our generation, that is still quite a long way off. I won’t get there before 75 anyway.

Although I would have preferred to pay off the house before retirement.

I don't want to pay off my house before retirement, but rather sell it again.

(according to the financing plan it would be paid off, yes ;((