mondbau
2020-05-30 11:35:46
- #1
Hello, thank you very much for the comments. The thing with the car is really off-topic. The 0.03% dependent on km to work, 1% gross price and half of the lease rate make the whole thing more expensive. It's just a 40k car. Just saying no and wanting a different one now is not that simple. Only after 4 years. Then you can get a Skoda for 35k and maybe pay 400€. That’s for the off-topic...
The question is about the current status, since the bank is interested in now and not what the second spouse plans after a few months... or whether you take a cheaper car...
The question remains. Does child benefit count as total monthly income at every bank? Then it would be 3500 + 400 * 110 = approx. 430,000€ financeable or without child benefit = 385,000€... Are the 110 fixed with good conditions at every bank? Or are there also times when it's 140 or similar...
Whether it makes sense, whether one can handle it psychologically, whether one can pay if one dies or is abducted, is another matter; this is about whether it can be financed or not...
The question is about the current status, since the bank is interested in now and not what the second spouse plans after a few months... or whether you take a cheaper car...
The question remains. Does child benefit count as total monthly income at every bank? Then it would be 3500 + 400 * 110 = approx. 430,000€ financeable or without child benefit = 385,000€... Are the 110 fixed with good conditions at every bank? Or are there also times when it's 140 or similar...
Whether it makes sense, whether one can handle it psychologically, whether one can pay if one dies or is abducted, is another matter; this is about whether it can be financed or not...