Is home financing feasible? Experiences?

I am always amazed that with net incomes of 5,500 and 6,500 euros per person it is acted as if this were "normal".

No, I know that this salary is already very, very good and does not represent the average of society.

In the end, only you yourselves can decide what your priorities in life are. It will fit. Due to the high equity portion, even the absolute worst case (your husband losing his job, he finds nothing new for a long time that pays enough, the house has to be sold) will not ruin you – and the risk is really very manageable/non-existent, moreover, the installments can be adjusted and in the greatest emergency, you can still sell the [ETW] or send yourself to full-time work.

What doesn’t quite add up for me: the [ETW] with 80 sqm brings in 1000€ cold rent – but a move-in ready detached single-family house is available for 750k? The ratio somehow doesn’t quite fit, right? Not that even bigger investments will be coming up for you there?

What doesn't quite add up for me is: the condominium with 80sqm brings in 1000€ cold rent – but a move-in ready detached single-family house is available for 750k? The ratio somehow doesn't quite fit, does it? Not that there will be bigger investments coming your way?

The apartment is very close to the city center, but our radius for a single-family house is in the outer city area, and there are indeed detached houses/bungalows at this price that do not require major renovations.

I am always amazed that with a net income of 5,500 and 6,500 euros per person, this is treated as if it were "normal".

I am rather amazed that with such conditions / financial possibilities, people even bother to worry about a real estate financing <1 million. From my point of view, this is a classic no-brainer, but some people seem to have a fundamental "fear" of large numbers.

but some people somehow basically have "fear" of large numbers.

This is the case for many people who see the "big" loan and have fear or respect for the debt. What is usually overlooked, however, is the fact that essentially (except for one payment rate for the use of the property analogous to rent) absolutely nothing changes, since the debt is matched by an identical asset plus an equity portion. And thus, one is just as poor or rich as without the property.