My home financing 2025 is bursting against reality

So either this is your 2nd joke thread or I doubt the bear story with the 10 apartments.

If I believe it. You don’t earn well enough to afford the 1 million house. It’s about the debt serviceability for the bank. They even have plans.

What I read is that your wife has a fulfilled life where she doesn’t have to restrict herself. That’s wonderful. Live your life and that’s that.

So much for "and we decided that starting in February we will save a lot." Apparently, that wasn’t a joint decision after all... something like "let’s sell a car" also has bigger consequences. You have to talk about that together... then the easily sellable one-bedroom apartments are no longer so easily sellable... I agree with that none of this really seems genuine.

If it is: Why the rush? If the thing with the condominiums is true, then there is plenty of equity, it just needs to be liquidated first and you can possibly find a compromise about how many apartments you keep and how much credit is manageable for you. But none of that can happen within two days (that was clear anyway).

And with the extreme austerity: You don’t collect a million overnight either. If you have simple things to save on that you really don’t need, start there, but consider together what is realistic.

By the way, row houses come in different sizes. In Stuttgart, you will certainly remain expensive anyway, but the ones posted are really large (living space of 150 sqm + usable basement?) with 3 bathrooms and a large roof terrace (even if the plot is still small). Using that as a benchmark for "we can’t even afford a row house" may not be entirely representative.

1. Buy her expensive makeup + perfume 2. Keep her Netflix subscription 3. Eat out on weekends 4. Go on vacation 3 to 4 times 5. Expensive hair extensions (€1000) 6. Keep her own car 7. Sweets and cola whenever she wants.

Your openness is truly winning, an at least similar honesty would suit many other questioners well. I think that for you it’s less about the decision to build a house, but rather about finding clarity about whether you want and can live a future life together with the person who suits you. Whatever your salary structure looks like, it is clearly evident in your rather unusual situation that you both carry completely opposing life goals within you. It is easy to see that one of your really fundamental goals lies in the area of (home)ownership/wealth building and that you have taken almost astonishing paths in doing so. At this point you can now assess (or have assessed) how to continue this meaningfully for yourself. Whether your partner’s main concern is actually about her permanently made-up perfume locks I cannot judge, but I can recognize that you both are sitting in two trains going in opposite directions and are hardly surprised that you constantly arrive at different stations. The issue of building a house now just brings this to light and can probably no longer be overlooked, but the same would happen regarding children or other fundamental issues of a partnership. My question to you would be how your partner envisions your future life together and what plans she has herself concerning living arrangements and possibly also family. If I were living permanently in a condominium, my primary worries and thoughts would be less about the color of my locks or the shade of my toenails, but first and foremost and necessarily about changing my current living situation. I believe that everyone should be allowed to live their own wishes here, but I do not want to share a life that is completely contrary. Separate finances and possibly also separate living arrangements in self-responsible living situations could also be a way to gain more clarity, and no one has to make such accusations to the other about perfume, sweets, or stinginess on the other side. The actual commonalities can then still be lived together.

Were you the one with the Cam 2000 euros net and your wife with 1800 net? For this region, that's an absolute joke, even at Lidl you now earn 21 euros gross per hour. I for my part simply put a full stop here and tell you to buy an apartment or then commute but with the S-Bahn.

My contribution and my concerns are serious; this is not trolling (I had to look up what that means first).

I am an emotional person and always write what I think.

My wife and I have many things in common, otherwise we wouldn't have been a couple for over 10 years. Only in financial matters do we differ significantly.

The thing with the one-room apartments is not rocket science; I have owned the apartments for over 10 years and did not buy them all at once. Prices in Stuttgart used to be much cheaper.

I paid 70,000 euros for the first apartment (now worth at least double).

I will now take the route of selling the first 3 apartments and using the money to pay for either a house or a larger apartment without anyone having to make major sacrifices.

I have to find a compromise with my wife; she can make concessions but not from 0 to 100.

Instead of 3 vacations, just 2 vacations, Istanbul instead of Tirol, and so on.

Maybe we can agree on a monthly savings amount X :-)

That would already be a success

Instead of 3 vacations, 2 vacations, Istanbul instead of Tyrol, etc.

Istanbul can be significantly cheaper than Tyrol. And the individually planned safari through Kenya cheaper than Tyrol.

I have to find a compromise with my wife, she can do without but not from 0 to 100.

Let's say so.

The thing with the 1-room apartments is no rocket science, I have owned the apartments for over 10 years and did not buy them all at once, prices in Stuttgart were much cheaper before. I paid 70,000 euros for the first apartment (now worth at least twice as much)

Then simply don't sell only three, but six. Namely, you transfer three within the scope of a gift to your wife and she can then sell them. If the six apartments each bring in 140k, you just pay cash for the larger property. Exchange six small ones for one large property. Then, however, monthly liquidity is missing.