Own property right from the start? A beginner needs straight talk...

Some people are just so greedy, they want ultra-low interest rates, but those only exist for fixed terms of 5-10 years.

Whereas these gloomy predictions that after 10 years the market will be full of properties coming from forced auctions, etc., have been around for a long time - but do not actually come true. Just like the repeatedly expected interest rate reversal.

We also have an interest rate lock until the end - I don’t care how much money I throw away for this security, the main thing is that I can live with it and at least have that security.

And we also have less net income and have taken out just under 400k...

Neither is 3.2k a very good income nor is a 26-year fixed interest period sensible

Who exactly are you comparing yourself to? It's clear to me that I can't compete with department heads and other management positions. But the average worker often earns considerably less. But whatever.

Why shouldn't such an interest rate fixation be good? Of course, it would be foolish to handle this through a loan. You really have to come up with some good models.

According to statistics, the average salary of a German citizen is 41,000 gross per year. For a regular employee, this means about €2,000 net per month.

So earning 3.2k net per month is not generous, but still above average.

Sure, long fixed interest periods cost money, but if you want to be on the safe side (and at 3.2k net, I would probably prefer that too), you have to pay more money in the end, but you have a calculable risk throughout the financing period.
It’s always the same with money: those who can afford to take risks can better take advantage of benefits. Those who need to remain predictable and reduce their risk have no choice but to pay for it.

One reason why the rich keep getting richer and those who are just getting by can’t play along.

So you don't earn a lot with 3.2 net per month, but still above average.

I am 29. I think that is already a nice salary. I still have a few years to boost my position. Or I am just too frugal.

The high costs for fixed interest periods can be kept quite low with linked building savings contracts. In other words, a loan runs for 10 years and is then replaced by a building society loan. If you don't like the interest rate then (because it is still so low), you can take out a normal follow-up loan. It is just a somewhat more complicated loan. Not everyone likes that. Our loan has 6 components. It took me a while to figure it all out.

As an IT project manager, you should do that too
(also das Gehalt aufmotzen)

As an IT project manager, you should do that too
(i.e. pimp up the salary)

I'm working on it But slowly does it. And for that, I’m allowed to put the pen down after 7.5 hours.