Maximum loan amount based on our monthly burden

You just have to want it. If you think nothing changes with a house, you are mistaken. For many, four vacations are simply no longer possible, but it is wanted.

You just have to want it. If you think nothing changes with a house, you are mistaken. For many, four vacations are simply no longer possible, but wanted.

Do you feel sorry for them? Do you want to offer those people HilfeHilfe???

Worse still, since we want to help, how useful is your contribution? Four vacations? Which tenant takes those?

4 vacations? Which tenant takes these?

It depends on what you understand by a vacation. A weekend trip to Holland, a week in a holiday apartment in Bavaria, a week of camping in Austria... four vacations can be cheaper than some two-week Robinson Club summer holiday.

Do you feel sorry for them? Do you want to offer them helpHelp????

Even worse, since we want to help, how useful is your contribution? 4 vacations? Which tenant takes these?

We (of course including short vacations of a few days) I hope there will be more vacations in the house since after >10 years the "saving rate" for the house will drop

Well, many financings here are calculated in such a way that realistically neither a vacation nor any other luxury is possible for several years. That’s what my comment referred to. A large part of the quality of life is exchanged for homeownership, which often is not significantly better equipped than a rental apartment. But ownership for the sake of ownership hardly increases your quality of life permanently, does it? For me, a similarly laid out and furnished rental property would clearly be preferable to ownership, as it is more economical and significantly more flexible. Conversely, ownership makes sense to me if it is planned much better according to my needs and is equipped to a much higher standard than a rental property. Additionally, the financing must not be structured in such a way that I have to make significant cutbacks in all other areas.

Drive through the NL, how much smaller, but how high is the ownership rate there. It’s done differently, and then the finances work better too.

Since I just saw a nice statistic. We have 45%, the Netherlands 53%, but for example Sweden only 42.2% and the beautiful Switzerland only manages 36.3%. Incidentally, the leader is Romania with 93.5 and Hungary with 90.8%.

From my Dutch colleagues, I got the impression that more owner-occupied homes are better supported there (e.g. interest can also be deducted from taxes even for owner-occupancy, etc.).

Why, by the way, much smaller houses are also built lies partly in the fact that the Netherlands has 410 inhabitants per km², we only have 226 per km². Sometimes you might not believe it when driving through the Netherlands.