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

Those who can read are clearly at an advantage. I did not see the thing with Bayern in [TT].

why should the target remain in the year 2051? Then they’ll just finish three years later, no problem at that age, but have 34 years of more relaxed installments.

Then let it be a 0.185% annual increase (and finished in 2054. That doesn’t make it any better now.

No one can predict how the costs will develop. When I think of all the articles from last week that say at the latest in a year there will be a bubble burst at least in the metropolitan areas, prices for real estate could also have gone down. ->Crystal ball

Yes, one can hope. Hope for what exactly? The area around Pocking is hardly considered a metropolitan area.

I can see that there is no consensus here either

So, in the current living situation, it is quite livable, we have the entire 1st floor + attic (a total of about 130 sqm) and the parents live on the ground floor. Still, we don’t necessarily want to live here for another 10 years. Another 2-5 years is the maximum we have set for ourselves (also with the background that you can save so much).

I can see, people here don’t agree either

A very nice summary!
The living area is really nice where you are, but the parents are right next door.

You will definitely make the right decision.

@Casper so a monthly savings rate of 1800 is too little and after three years there will still be a net loss?

I can already see, there’s no consensus here either

Hardly ever After all, it’s a forum, not a decision-making body.

@Casper so a monthly savings rate of 1800 is too little and after three years there will still be a net loss?

1800€ is more than decent for many. But, unfortunately, even slight interest rate increases eat up the advantage; in addition, one must assume that the usual price increase in construction costs continues (after all, the big goal is still inflation of 2%)

The only positive thing, as mentioned, is that with each year the loan-to-value ratio improves since the savings performance is above the usual price increase.

With 3% price increase and the current savings rate, the OP will be at 60% loan-to-value in 6-7 years. But nobody can predict where the interest rate will be.

For me, I calculate 1.5-2% more than today in 5 years.