Is home financing possible like this? Alternatively, save equity for a few years

hm, that comes across as very polemical, sorry. Firstly, I do not "shout" and secondly, making fun of someone else's opinion is inappropriate.

Thirdly, if the living situation were like that, I would very well make compromises and also act on considerations longer than two minutes.

If you now show me where I am making fun of someone, I would be glad. Because I cannot discover anything of that.

in what other direction should it go? That interest rates will rise sharply in three years? That is reading from the crystal ball. In such a favorable situation as you have now, very few are able to live practically for free and save properly. How many can already save 1800 euros per month? If interest rates rise so much that 1800 euros per month no longer pay off, then we have a completely different problem here in Germany.

Well, if you do the math, you will find that continuing to save 1800 EUR can certainly be an overly optimistic calculation. At first, 1800€ per month sounds like a lot:

Assuming the TE’s production costs increase by 3% annually; then the interest rate for the loan must not rise by more than 0.175% per year. Otherwise, the same rate as calculated for them today cannot be maintained (purely from interest, and with the goal of still being finished by the year 2051).

The only advantage in the consideration would be that the loan-to-value ratio will improve (~15% over the next 3 years, but that might only offset a possibly even higher interest rate increase).

(by the way, 1% interest on the balance already included).

Are the incidental purchase costs final? I am missing an additional 15,000+ property tax!!!

Are the incidental purchase costs final? I am missing another 15,000+ property tax!!!

Why??? The OP is from Bavaria after all. 3.5% real estate transfer tax + €5300 notary = makes €16,800 for me

why should the target remain at the year 2051? Then they'll just finish three years later, no problem at that age, but they'll have 34 years of more relaxed payments. No one can predict how the costs will develop. When I think of all the articles from last week saying that a bubble will burst in at least the metropolitan areas within a year at the latest, property prices could also have decreased. ->Crystal ball