Is financing feasible? Single-family house 155 sqm

Always the income discussion could be from me. I wish it to everyone as long as it is realistic. In the private sector, you have to push hard for a raise. This entire public structure always seems strange.

I have no knowledge of civil service laws and promotion regulations. But just from the OP's answers, it seemed to me as if his girlfriend already works in the A13 position. Just with a lower salary. And this is supposed to be adjusted over the next few years. I don’t know if that makes any difference. But in the private sector, I am quite familiar with this procedure.

No, for civil servants this is not an automatic process. It can fail simply because there is no authorized position (this happens quite often). Or your evaluation does not fit.

Again, for everyone, I had to take some time now to read everything through once more:

1. No, it is not contractually fixed, just like not a single contract in the economy is contractually fixed. Any entrepreneur can "throw you out on the street" within a very short time. You calculate with a €3,000 net income in the private sector? How certain is that for you? For how long?

What exactly are we discussing here??

2. The personal circumstance and this individual case, however, make it possible to count on it, end of story. Yes, my girlfriend is an exception and yes, she is currently working in a position paid according to A13. In March 2021, she will be upgraded from A10 to A12, according to the paragraphs I mentioned. One year later, she will "normally" rise, always depending on whether the municipality cooperates or not, to the currently paid position A13.

But none of that matters now? The initial question was a completely different one.... Just to clear things up for everyone here once again. Especially this talk about it not being certain or something like that. NO, it is not contractually fixed, absolutely correct. If there is an economic crisis tomorrow (see even the current Corona situation), then no employee in the economy has anything close to security regarding their income anymore. So, what are we talking about here? I assume that this leap will be reached in 3 years and thus we have even more input. But as I said, it doesn’t matter at all.

Edit: We had another meeting today at the Volksbank... sounded very interesting in connection with the Münchener Hypothekenbank. But yes, it will probably ultimately come down to a repayment of €1,600 in the "difficult" times. We would definitely have to manage that. Maybe an adjustment to €1,400 for a certain time can be made here, but more probably won’t be so easily possible.

Okay, counter question to finish: Would your construct also be feasible if your girlfriend (for whatever reasons) is/ remains "only" A10 for the time being? Or does everything stand and fall with this A13 thing?

Additionally, the advisor also stated: 5% of his clients actually make use of the special repayment... And yes, we definitely belong to the 5%. I just believe that we have a different standard of living and, in a way, also quite different attitudes compared to the current society at our age... That’s why it is always difficult to get such advice. You have to know it for yourself.

However, I thought I would get some interesting answers and opinions here instead of 22 pages of discussion about salaries and income situations, etc.

Okay, counter question to conclude: Would your setup still be feasible if your girlfriend (for whatever reason) remains "only" A10 for now? Or does everything stand or fall with this A13 thing?

Exactly, all of that is still to come

We have calculated everything with the current A10 salary! Everything additional is also a benefit.

Therefore, we always calculate our current salaries in relation to the financing, and the €1,600 are also calculated based on the current situation. But I have never claimed otherwise

PS: don't take it personally, it's not even 1% related to you!

I was actually accused here of calculating with much more. It was simply about whether €1,600 with one salary could still be manageable later, for example, and whether we were taking on too much in this regard.