New beginning after termination due to personal need

Yes, trained as a painter but never finished. Unfortunately, I am now disabled and can’t do much myself anymore. Sure, I could paint a wall again or lay a floor given a lot of time, but then that’s about my pain limit. That’s one of the reasons why I’m now driving a taxi in my father’s company. I wanted to take over the business anyway at some point, and the good man is now 66 and has earned his retirement (and his semi-detached house, and no, there’s probably nothing to inherit there) :p It’s not that easy in the industry nowadays. More begging on wheels as you can see from my salary. My partner could probably find something else, but whether that would pay significantly better is another matter. Sure, 100-200 € always help, but you can’t exactly work magic with that. Personally, I wouldn’t trust myself with a construction apartment anymore. But sure, if you’re up for it, go ahead =) Bad luck living so close to Hamburg. You’re obviously luckier if you grow into a village or countryside. Then you usually already have an overview of properties, are more likely to inherit something or get a gift from Grandpa Brass at a nice barbecue evening. Having property is already a big advantage.

Hamburg and the surrounding area are currently experiencing a real building boom. Everyone is moving out here into the surroundings, everyone is building like elves. You’re a little late yourself. Only that having to start planning the end at 35 is also clear =)

If you don’t want children, I can recommend becoming a nursing specialist. 3 years of training with about 1,000 € training pay per month and then she is guaranteed her 3,000-3,500 € gross. With bonuses even more. On top of that, it’s a secure job.

Greetings from Stormarn!

How about something like this?
Scout-ID: 128771370

I could maybe imagine it with you.
But with financing the ancillary purchase costs, it definitely gets quite steep :(

Around here (Ahrensburg and surroundings) there are indeed real 3-room condos for 300-350 K

Three years ago, you could even get nice apartments in Großhansdorf for well under 300 K. Even here it was still relatively affordable then.

Out of desperation, we would have also switched to a condo and were now lucky that it turned out to be a townhouse after all.

Handyman, worked as a painter for a long time, so anything to do with walls can be done by myself. We could also manage the flooring with a few friends

Yes, trained as a painter but never finished. Unfortunately, I am now disabled and can’t do much myself anymore. Sure, painting a wall again, or laying a floor with plenty of time, but then it also reaches the pain threshold.

So somehow?

Let’s summarize again:

Unspecified equity (or did I overlook that?) has been eaten up. For an employee (?), who possibly was on short-time work (?), but must have had surpluses before (?), otherwise no equity.

Worked as a painter for a long time, can therefore do anything with walls. Well, only trained but never finished, and actually can’t do much anymore.

Wants to make big jumps with relatively low income, house must/should be there, not too old either and close to/ in Hamburg (but probably only the northern corner, south would be cheaper ;-) )

Someone wrote something about trolling and I can understand it :-)

How much equity was "eaten up"? And why? So if I have to make do with 60%, I don't have to touch the reserves yet, I just can't save anything anymore. Have you completed any training? By the way, it's still not exactly easy to find something out in the countryside right now... and nothing is given away at barbecues either. We live in northern Schl.-Holstein and the prices being asked here have also skyrocketed. The salaries, of course, have not. By the way, I'm 45... so there is even less time left ;)

A 450€ job is always possible to increase income. That's a few hours a week at the gas station or similar.

One thing upfront: I totally understand you! An apartment always has a very emotional aspect and has to fulfill the need for security. A termination due to personal use is always a huge interference in a tenant's personal living situation. That's why I can understand that you don't want to be subjected to arbitrariness again. I'm feeling something similar at the moment. My landlady is showing her true colors right now after we announced, after 10 years in the apartment, that we will move out in half a year. Suddenly, modernization measures are being implemented on the multi-family house (several owners) that she had always blocked before. In that half year, we have as many construction sites as in the last 10 years. But that is her good right. Just as suddenly, she gets snappy when I ask about items on the utility bill. Right away came the sentence, "Why do you want to know that?" :D sorry for questioning a bill you are charging me. In the process, I noticed that the owners' community booked an absolutely unnecessary and overpriced TV package when switching to fiber optics. Of course, it is simply passed on to the tenants. This arbitrariness really annoys me! So: I understand you!

And now the big but: Don't let yourself be driven by your current emotions! Think clearly about the advantages that renting also has. Example: for the current modernization measures, every owner has to pay a 6,000 euro special assessment! As a tenant, that doesn't bother me. Could you come up with that just like that? Also for things you don’t benefit from at first.

What has already been said to you here: you are currently a tenant (nothing wrong with that) without equity, with a manageable income and a relatively uncertain future. So you should practice some humility. Of course, some of the prices asked are cheeky. But you are definitely not above the rundown place in Norderstedt! To put it bluntly: maybe the rundown place is even above your level. It doesn't help to look at your father and what he has built up. Where does the entitlement come from that you are owed the same? I hear that so often in my environment and simply cannot understand it! Your father built something up. He was at the right place at the right time and made the right decisions. Above all, he also started with a condominium.

So: keep all your options open mentally first. And with that attitude, go to the bank and inquire about the limit. Nothing is too bad for you. And if it is: you just remain a tenant. So what!