Good morning everyone. Just spent half the night thinking
As I have described before, we are still living under a very "fair" old rental contract. The problem with our current apartment is that in the long run it really becomes too small. Of course, these are luxury problems.
Apartments larger than 100sqm are practically non-existent here. Terraced houses, houses, semi-detached houses for rent with living spaces of 130-140sqm (which we want) currently cost 1200 - 1300€ cold. The market is also very limited here because demand is very high.
One does consider, with such rents, why not buy. Because this rent would be incurred anyway, we will not live in our current apartment for another 5 years.
And yes, I am also one of those who inquire without equity etc. I am not ashamed of it either. Our income is quite good, with room for improvement (with me), so why shouldn't one have certain wishes or set goals. People are just different. Everyone has different attitudes, I don't know why one is accused of having to show "more sense" as an adult. I would claim that I am actually a sensible guy, even if I don’t fit the pattern of having 20% equity.
On the topic of provision: Well, when it comes to retirement, it is of course different. My wife can expect a pension later. I, as an employee, have statutory pension + Riester (for 12 years now) + company pension scheme (also for 12 years now). I don’t want to change much about that for the time being if a property were to be added.
From the parents' side, we can each expect a house later, which has to be shared with 2 siblings each.