Realistic financing opportunity?

So regardless of whether you decide to buy or not, the aforementioned terraced houses are really great.

We also thought for a long time about buying one of them when they were offered in our city last year. You can really buy a nice and well-thought-out house for relatively little money.

The only thing that bothered us was that it is a homeowners' association. That means you can't decide many things yourself, but have to do it together with all the other owners ... it wasn't really our thing. But to each their own.

Thanks. Yes, I also think the properties are very good and, I believe, a safe bet. Also with regard to the often-mentioned additional construction costs on the builder's side.

A homeowners' association and the associated joint management suit us well – especially because we don’t want to realize a (life) dream of owning a house, it's nice to be able to simply hand over certain tasks. We gladly accept the design restrictions in the exterior area for that.

Thank you. Yes, I also find the properties very good and they are, I believe, a safe bet. Also with regard to the frequently mentioned developer-related incidental construction costs. The owners' association and the associated joint management suit us - especially because we do not want to realize a (life) dream of a house, it is nice to be able to simply hand over certain tasks. We are happy to accept the design restrictions on the exterior for this.

Then that would of course be great for you.

Ultimately, it is important that you honestly calculate for yourselves whether you can sustainably manage the installment (and preferably without the 200€) without losing too much quality of life. I would really try to keep the mother out of the loan. It doesn’t do her any good if she is the owner with you, but in case of emergency, she would have to move in because your house is gone.

Try to trace, based on your account, where your money has been going so far. Like a kind of retrospective household book à la Zwegat.

Ultimately, it is important that you honestly calculate for yourselves whether you can sustainably manage the installment (and ideally without the 200€), without sacrificing too much quality of life. I would really try to keep the mother out of the loan. It doesn’t do her any good if she is an owner with you but in case of emergency has to move in because her house is gone.

Try to trace where your money has been going so far based on your account. Sort of like a retroactive household budget book à la Zwegat

Just because I don’t disclose here which expenses we have where, doesn’t mean we aren’t aware of them. I simply want to avoid discussions like in other threads. Hobbies are, for example, something very subjective and also whether it’s worth it for us to give them up in favor of a house is, of course, a very individual decision. For that, no forum is needed.

However, it does bring advantages to the mother to be able to enforce a sale as a co-owner of the townhouse in case of emergency, in order to preserve her parental home and residence for herself. So basically, if there is a land charge, it should also come with rights.

That's why I wrote "calculated by you for yourselves." I did not mean any disclosure in the forum here, but that one is honest with oneself. The starting point was the shaky financing.

You make the decision yourselves.

First of all, cool that you’re still here. Many have already been discouraged after the first reactions and stopped participating.

But the forum provides a good counterbalance to the sales pitches and ads that try to make you believe that for a home of your own you just have to "convert" the monthly rent into installment payments.
If you want to move to Nauen (or anywhere further out), you also have to compare the rents for nice apartments there with the monthly installment. Someone here already mentioned that..