Is financing feasible? Single-family house 155 sqm

§ 20 LBG Promotion...

Oh, why am I even still discussing this!? It doesn't matter... Please only posts that also relate to the original thread, thanks.

You are so cute. You don’t even understand the basic problem. It is very possible that your girlfriend will be promoted. But if someone better comes along (and that only has to be a better evaluation – or even a worse one in a higher pay grade), then her supervisor could have promised her three times that she would be promoted, and she still won’t be. Or, which often happens due to current political events: there is simply no position available. You are planning your house construction based on assumptions that may be true but don’t have to be. You have to decide for yourself whether that is okay for you or not.

You are adorable. You don't understand the fundamental problem at all. It is very well possible that your girlfriend will be promoted. But if someone better comes along (and this only has to be a better evaluation - or even a worse one in a higher pay grade), then even if her supervisor promised her three times that she would be promoted, she still won't be. Or, which often happens due to current political events: there is simply no available position. You are therefore calculating your house construction based on assumptions that may or may not be true. You have to decide for yourself whether that is okay for you or not.

Yes, I do understand the fundamental problem. But since you have no background on the situation at all and don't even know which position it is or how everything works, you can't really join the discussion, can you? By the way, my house construction is not even calculated 1% based on that. That is just a benefit...

No, that is not correct. If the position was advertised and you have already secured it, you will be promoted accordingly as long as you meet the specified requirements (waiting period, points, length of service) by the respective dates. The requirements are newly determined for each date. When I got the 9th position, I was still paid according to A6. Of course, you have to perform throughout the entire time, otherwise you can also be relegated to a lower-value position as long as you haven't yet reached the salary level. I think this should now be settled regarding this topic.

Whether and how much money you spend on your house is entirely up to you, I think everyone has their own opinion on that. Personally, at your age, that would just be too big a burden for me. Your girlfriend is only 23 years old, 550 thousand euros would simply be too much for me. With the planned children, not only will some of the salary be gone, children cost more than the child benefit you receive. I would simply feel better if the loan were more manageable and there was still money left for vacation. Especially vacationing with small children is so much fun, I wouldn’t want to miss out on that; when they get older, a joint vacation usually doesn’t work anyway. I would just take it a bit slower and maybe pay for the land first, you are still young.

Best regards
Sabine

She does get this A13 salary "relatively" quickly, which is not excessively high though.

If someone completes a great degree in mechanical engineering/engineering/business administration and immediately has a chance to get a good position in the industry, this salary can be achieved directly at the entry level.

Of course, one must also see the advantages of the public sector...

The advantage for civil servants is especially the pension and the protection against occupational disability after only a few years of service. Gross-wise, your comparison might still be roughly correct (the graduate then has to start with 65,000 gross, certainly not the usual case), net A13 is still about ~3000 euros net even at a low level, after deducting private health insurance. This may work in large corporations as well, but the insurance and savings contributions for occupational disability and retirement for employees must not be neglected in order to equalize the late advantage of the civil servant.

Therefore, this is already a very secure component for your plan.

Thanks to the majority of the participants in this thread - now I finally understand why I usually avoid stumbling into finance threads! Why is there always a fundamental discussion in this forum about whether the rest of the community believes how much money someone has? If you don't want to say, "I won the lottery and my girlfriend robbed a bank," your household income is doubted outright. So you tell another story and promptly there is a mass brawl about the BBesO and all (including Mallorca seventeen) TV-Ls. What kind of kindergarten have I ended up in here - can't people just hypothetically assume someone has household income X? By the way, I earn C4 and my girlfriend R2, both plus local allowance for Lummerland *ROTFL* #ifitwasntsofunnyitwouldbesad