What a shame
So first of all: it certainly is not a shame if you don’t earn enough to afford a new home in one of the most expensive cities in Germany.
As far as I have read, you both earn 3800€. From the outset, without equity or strong parental backing, it was hardly possible to build 10 years ago. And I am not talking about a hotspot.
That you should have about 30% equity is no secret either.
I assume you are still quite young, when people actually want to “live” a bit first before committing to real estate and cultivating a garden instead of going out.
That you have your one-room apartments is already great.
Would you personally sell your entire real estate portfolio and restrict yourselves so that you have a small house
But every investment is only as good as how liquid you can make it when you need the money elsewhere.
And with one-room apartments you can hardly make something out of it as a family, so the clear focus is to sell them now, that is, within the next 3 years.
What I don’t understand, however, is why when you are still young and (still) don’t earn much, you already have to reach for the rich and unattainable stars? Not willing to put in your own effort, no desire to have to do something, possibly build your nest in an older house—instead just thinking big and fat. I can’t relate to that, and many here probably can’t either. None of us were handed anything on a silver platter; many started small, some with an old terraced or semi-detached house, others with a condo, and only later afforded their own house.
She says we would then have a house but she would have no life anymore.
If you come with partly silly saving measures without even half a year of joint goal planning, it’s no wonder she is being stubborn about it.
But that is a completely different problem and it will be your problem too. Relationship and shared goals can and must be worked out together. Whether you’re basically on the same wavelength, you have to see for yourselves. However, goals only need to be aligned in the medium to long term.
Everyone is different in this regard; one person sees their next 20 years differently than another.
I can at least understand if my partner comes at me in a kind of panic with rules and bans that patronize and restrict my life comfort. You don’t have the right to do that.
So, first common goals should be set. If that doesn’t work for whatever reason, you have to realize that it will be permanently difficult for you together, at least in the classic family structure. Because one will always be dissatisfied.
About the apartments: what are they good for now? Mentioned several times: means to an end. Namely when you need the money. Liquidate them and look for a somewhat larger apartment. By the time the first are sold, you will also know whether the apartment needs to be suitable for 3 people.
