Question about the financing offer

Blackm88 writes about 6000 T€ gross and 3500 € net.

"Professionally, my partner and I are in a permanent employment relationship, net income currently 3500€/month"
"Her income: 2500€ gross/month
His income: 3500€ gross/month"

Above it says 3500€ net together

Blackm88 writes about 6000 T€ gross and 3500 € net.

"Professionally, my partner and I are in a permanent employment relationship, net income currently 3500€/month"
"Income she: 2500€ gross/month
Income he: 3500€ gross/month"

Oops. I must have had tomatoes on my eyes
Then of course you are right. Under these circumstances, it is clearly too much.


We plan to finance a similar amount, 390,000€. However, we have 5500€ net available. And even that is already right at the limit for us, especially with regard to offspring and part-time work.
I agree with the previous posters, don't do that to yourselves.

It is rumored that daycare centers do have a positive effect on the development of children But even with daycare, €3500 is not enough for €410,000!

It is rumored that children can only really play with peers (not just alongside them) from about the age of 3. Before that, daycare only has a positive effect if the children are seriously neglected at home.

I must point out that we are not yet married and that good salary increases are expected for me in the next five years. The data from my previous posts is a snapshot as of today.

We might already get a second offer to compare on the coming Monday, I will simply get a second opinion. But based on the total amount, it probably won't be much cheaper, we should pay down a bit as well.

Here in the countryside, the building land is inexpensive, so more remains for the house. I also have an initial offer from another company, but it contained so many exceptions etc. that they could not give us a price (fixed price).

Have you already done sampling? You can still quickly invest €20,000 (Elec. blinds, a few LAN sockets, ceiling spots, a fancier bathroom fixture... The standard usually only includes functional variants)