My home financing 2025 is bursting against reality

There are two options: earn more money or forget about buying the house. Under the current conditions, this will end in a divorce case

Good grief. Is that advice from an adult? Earn more money to fulfill the dream of owning a house that the partner doesn't share at all? You simply can’t earn enough money anymore to finance a house in Stuttgart for a million, plus a nice life with dining out and four vacations a year. It’s hardly going to be the kebab shop and four camping trips at the quarry lake.

And it would also be interesting to know this: now we know what the nasty woman won’t give up... Why should she, it’s not her dream after all. She doesn’t even want to ride the streetcar or be chauffeured by the little man, of course only when it suits him. Unbelievable. What would the gentleman be willing to give up to fulfill his dream?

Get rid of the old one. She is too expensive to maintain. Find yourself a female with lower operating costs.

Get rid of the old one. She is too expensive to maintain. Find yourself a female with lower operating costs.

Where one could still doubt the age of majority, one must now question the suitability of character...

Good grief. Is that advice from an adult? Get more money to fulfill the dream of a house that the partner doesn’t share at all? You can’t earn enough money anymore to buy a house in Stuttgart for a million, plu

Good grief. Is that advice from an adult? Get more money to fulfill the dream of a house that the partner doesn’t share at all? You can’t earn enough money anymore to finance a house in Stuttgart for a million, plus a nice life with restaurants and 4 vacations per year.

If houses are actually being sold at the asking prices, then there are also people who can afford it. And if they follow the 1/3 rule, then several vacations per year are possible as well

Hm, a lot of things don't add up.

a) Complaint that the parents were still able to, despite lower purchasing power adjusted income: They go on vacation 4 - 5 times a year (sic!), eat out every weekend (sic!), and didn't want to contribute any effort themselves?

b) After this - excuse me - practiced decadence, suddenly slamming on the brakes to frugalist level overnight and then being surprised by the inertia?

c) Absolutely wanting to have a house, although every single effort that owning a house brings is already perceived as an imposition. Then why at all? The most important question here.

d) 11 debt-free apartments mean that capital is completely immobilized. Why, for heaven's sake? Is the return that good? Then there should be cash flow.

e) A lifestyle like in a) combined with the saving mentality of buying 11 apartments in equity does not match at all, to the point that I don't fully trust the story.

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.