Maximum loan amount based on our monthly burden

Well, many financings here are calculated in such a way that realistically neither a vacation nor any other luxury is possible for several years. My comment referred to that. A large part of the quality of life is traded for homeownership, which is often not even significantly better equipped than a rented apartment. But owning property for the sake of owning property hardly increases your quality of life permanently, does it? For me, ownership of a similarly laid out and equipped rental property would clearly be preferable, as it is more economically sensible and significantly more flexible. This means, conversely, that ownership makes sense to me when it is planned significantly better to my needs and is substantially higher quality than a rental property. In addition, the financing must not be structured in such a way that I have to make significant cuts in all other areas.

The ruthless advantage for me with ownership is not necessarily that it is tailored to me. I can achieve that with a rental apartment/house as well. Rather, it's that everything is mine. If I want to tear down a wall, I can. If I want to completely rewire the electrical system, I can. If I want to keep 10 dogs, I can. With a rental apartment, I always have to arrange things with the landlord.

The relentless advantage for me in ownership is not necessarily that it is tailored to me.

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If I want to tear down the wall, I can do that; if I want to completely relocate the electrical wiring, I can do that.

Which at the same time are the disadvantages In the rental apartment, I can get the landlord for every little thing (defects, faults)

PS: Had the first viewing with a potential new tenant today.. nice people. Makes me sad I don't want to "give away" our beautiful apartment..

Which at the same time are the disadvantages With the rental apartment, I can get the landlord for every little thing (defects, issues)