Is financing a single-family house feasible for us?

So in patchwork families, it is by no means only oneself who puts pressure on them. Often, it is less stressful to stay close than to play the middle-distance chauffeur over the next 10 years. It does make a difference when the boy can eventually come to the bio-father himself and it doesn’t take over an hour by public transport.

There, even an income over 6,000 net is no longer much but normal. I wonder where all the bus drivers and nurses live.

So in patchwork families, it’s definitely not only yourself putting pressure on you. Often it’s less stressful to stay nearby than to play a mid-distance chauffeur over the next 10 years. It really makes a difference when the boy can eventually go to his bio-father himself and it doesn’t take an hour by public transport.

So, I just quickly checked the most well-known real estate platform and immediately found houses well under a million within a 15km radius around Munich. You certainly wouldn’t be traveling an hour by public transport. In my opinion, it’s more that (a) it absolutely has to be a new build and (b) it absolutely has to be a certain neighborhood or district because it’s hip and also makes an impression with acquaintances. I can’t explain otherwise how a normal earner of the upper middle class could even come up with the idea of paying more than a million for a townhouse (which they don’t have).

OK...the discussion about whether one can live well on 3000 euros originated from this post:

Acquaintances of ours with 6k net are looking for a townhouse in Munich with a total volume (so absolutely everything included) up to the amount of 1.3 million.
There are, for example, nice newly built townhouses in Nymphenburg for that.
And it's actually possible to finance.
They have a good 400k equity. Loan amount would be 900k. The bank offered them 1% for 15 years. So with a rate of 3000 it would be paid off in 30 years.
We also have the rate of 3000. I don't see a problem getting along well with the remaining 3000 [...]

So the pure rate is 3000 euros. That should definitely not be compared to the warm rent!

So the remaining 3000 euros are not "for living." There are additional costs like utilities. Reserves for repairs/maintenance. Daycare fees are paid according to income. So with 6000 euros you are also far up there.
Even if it sounds lofty: From my point of view, not much is left over.
That's where it already starts to get stressful when the city wants a few thousand euros for new street lamps.

So please don't get polemic with phrases like "I don't need a Porsche."
It starts much smaller.

And then you stand in Munich in the million-euro neighborhood and nice restaurants and whatnot, but can hardly afford them.
That may not even be bad. The question is just why you want to live so centrally then. If it HAS TO be, that's another story. But from my point of view, the statement was too general that it would be totally fine with a 50% SHARE OF THE RATE! of the income.


If you voluntarily only work 5 hours a day, that’s a calculable luxury you afford yourself. Similar to a hobby that costs a few thousand euros a month.
Just like the hobby, you can give it up again if things get tight and work more.
That is not comparable to someone who has no room for maneuver with their income.

Apart from that, no one is really forced to buy, build, or rent in metropolitan areas. If it’s not enough in Munich, you just move. But if you absolutely want to stay there, you have to swallow the bitter pill. And no, with very few exceptions, people only put themselves under pressure to HAVE to stay somewhere

I can’t really agree with that either. We both tried intensively for 5 years to find a job in southern Bavaria outside of Munich (about a 100 km radius) because we both definitely wanted to get away from Munich. Unfortunately, it didn’t work out for us. No small town can really need PhD engineers. And my sister has also been stuck in Munich as a teacher for 5 years now despite transfer requests.

Then all that’s left is to commute more or less for a long time. There are offers like currently in Mühldorf. 652 sqm for just under 500k. So I did “move.” It’s 77 km one way to Munich. But I still need the millions for the house construction. And in our case, each of us has a daily commute time of 2.5 hours.

Apart from that, no one is really forced to buy, build, or rent in metropolitan areas. If it’s not enough in Munich, you just move. But if you absolutely want to stay there, you have to swallow the bitter pill.

Well, 9 out of 30 companies in the DAX just happen to have their headquarters in Munich, and if you want to make a career with them, you HAVE to work there at least for some time during the course of it.

As a native of Lower Franconia (Rhine-Main area), I also know enough people who studied teaching, were appointed civil servants at the tax office or as teachers, and were then ordered by their employer to the world city with a heart – what can you do?