Purchase of an existing property - Support with financing

I would inquire with intermediaries. Kfw + classic annuity loan at the interest rate level

May I ask why you are in tax class 5 and your partner in tax class 3, although you have a higher income? Use a calculator for that, but from what it looks like to me, you have chosen the most unfavorable class distribution possible.

May I ask why you have tax class 5 and your partner tax class 3, even though you have a higher income? Try using a calculator for that, but as far as I can see, you have chosen the most unfavorable tax class distribution possible.

I guess someone is expecting children within the next 12 months... ;-)

If I am right, the initial figures should be reconsidered.

I guess someone is expecting children within the next 12 months... ;-)

That's the background. Of course, we know the gross-net calculator. When the baby arrives, I will move into tax class 3 and have almost €1,000 more per month. The wife will have about €1,000 less during parental leave. That's also why the initial rate is lower; after that, the wife will go back to work.

For me, a raise is also in prospect, but none of that is factored in yet. I can also increase my 35-hour contract to 40 hours on short notice with a corresponding salary increase. So the numbers mentioned are roughly accurate.

May I ask why you have tax class 5 and your partner tax class 3, even though you have a higher income? Use a calculator for that, but as it looks to me, you have chosen the most unfavorable class distribution possible.

It's all relative; the annual income doesn’t change, only the monthly situation. Currently not a problem for us; if it is, we will react.

Is using the change of tax class on the tax return still beneficial at all? My parental allowance was calculated based on the gross income...