Please provide an assessment of financing possibilities

Especially since my income wouldn’t stay at 5k if my wife’s earnings disappeared, but would rise to about 6000€ thanks to the tax class and allowances. Besides, that would at most be temporary, so everything is relaxed.

Why tax class – I thought you are a civil servant?

The 124er is actually not that great (inflexible + commitment). We will discuss that again with the bank.

Well – but it’s not a big deal. You could then use the special repayments better on the other loans and the 6 months non-commitment period – you will call up these funds first anyway for the house construction (since the lowest interest and the first years interest-only. By the way, here you should assess how you want to do it: we could have taken up to 3 years payment deferral – but only used the first year. Since then we have been repaying.


Grilling is always good .

Why tax declaration class - I thought you are a civil servant?

What does that have to do with being a civil servant, of course they pay LS.

What does that have to do with civil servants, of course they pay income tax.

Yes, it is always astonishing how persistently this rumor persists that civil servants do not pay taxes. Of course they do, and at the same rate as everyone else – and that is why my wife's net income increases with a change in tax class from 4 to 3 in case of parental leave or part-time work. In addition, there is a small family allowance (a civil servant privilege ).

What does that have to do with civil servants, of course they pay the LS.

Yes, it is always astonishing how persistently this rumor that civil servants do not pay taxes holds on.

I guess I have indeed been misinformed for years. Mea culpa. Then this probably applied to the pension insurance (the state pays the pension - therefore the comparable gross salary for civil servants is lower than for employees). I hope this information is at least somewhat correct.

Btw. - this is also what the forum is good for. You learn things (even independently of house construction) or can correct/expand your knowledge.

Yes, that is true in my opinion, although neither I nor my wife are civil servants (too bad ops, perhaps someone else can confirm that).

That's correct, yes.
Tax - the same
Social security contributions - completely waived, therefore more net from gross.

As further advantages, of course, the pension entitlements, which - at least so far - are worth more than the statutory pension.

Then there is also the subsidy for health insurance. The state covers 50% (or more with children) of the health insurance. However, in NRW there is a "cost dampening flat rate." De facto, this is a co-payment that increases depending on the salary group. In my case, I paid less for private health insurance in my previous job as an employee than I do now as a civil servant - so the "privilege" is somewhat questionable.

In return, there is no 13th month's salary (only 12.36 monthly salaries) and no vacation pay, bonus, or similar. Oh yes, and of course the strike ban. Many always forget that when they call for the abolition of civil servants. For example, if train drivers were still all civil servants, there would be no train strikes, etc...

Overall, I learned at a workshop that you have to add about 15-20% to the gross salary of a civil servant as an employee - depending on the situation - in order to get the same amount.
Not included here is, of course, the higher security, which is certainly unbeatable in the civil servant relationship. Which, of course, also has a positive effect - for example, when you want good conditions for real estate financing.

The frequently occurring envy debates are annoying, though. After all, everyone is free to choose their profession, and at the end of the day, there are always those who are doing much better...

...as far as my knowledge goes off the top of my head and without guarantee.