Return to the homeland - how much credit can I afford?

  • Erstellt am 2020-12-29 08:20:53

Bobthebanker

2020-12-30 10:11:30
  • #1
 

Bertram100

2020-12-30 10:37:49
  • #2
Yes, you didn’t explicitly ask for life tips. Personally, I notice a kind of imbalance and I shared my perception with you. That’s actually something for which you would have to pay an expensive coach elsewhere or you would have to have friends who tug on your sleeve and say: "listen, this all sounds a bit strange." That is not an answer to your financial question, but it could enormously influence the financial question. Regarding your financial question: yes, you can borrow up to 180 times your annual net income. With higher income, banks are less reluctant. All that at an interest rate below 1%. I assume. That would be possible here. You definitely don’t need to be afraid of ending up in a condominium.
 

hampshire

2020-12-30 10:42:13
  • #3

First of all, this forum doesn't like links - either remove them or the admin will do so accompanied by a somewhat unfriendly message ;).
These offers are not fake, but give an idea of what the provider can realize there. Sometimes they have secured the land and thus the construction contract. If you want the land, you also build with them.


I don’t know what picture you just imagined to laugh at - it is surely just one of the possible variants. There is something modest about driving a 3-series BMW although you could drive the newest 7-series every year? Or is it showing off because it’s not a used Golf 4? Or because the person even owns a car at all?


There are worse burdens - although Eugen Roth already noted: "Where it hurts right now, it hurts the most."


Think practically. You move with your children from country to country. Which schools do you choose? Those that are compatible with each other or those that correspond to the respective country’s customs? Here lies a contribution to a satisfying life for the children – leaving aside the discussion whether moving in general is traumatic for children or not. The multilingualism associated with the school is certainly not a disadvantage either.
One of our sons benefited greatly from us being able to provide him with a culturally diverse private school for several years. The other would have been very unhappy at the same school. That this was possible was no problem. The connection to the "normal" society you mentioned existed through music in various bands and projects – if that is "normal."


Apparently, you only know your version of normality. Look around and take off the blinkers. Your standard of living can also look "strange" from another perspective.
 

Wiesel29

2020-12-30 10:44:07
  • #4
If I were you, I would look in Bad Homburg, Oberursel, or Friedrichsdorf. The public transport connection there is good, and even by car it is still manageable. I would definitely avoid Kronberg, Königstein, Falkenstein, etc., if that is even an option. The traffic there on the federal road is frustrating. At the wrong time, you need over an hour for the 3 kilometers from Kronberg to Königstein. If I were you, I would first rent an apartment and see how things look after a year. Given your requirements, an apartment in the [Europaviertel] would probably be best.
 

Bobthebanker

2020-12-30 10:47:53
  • #5
Thank you! Super helpful. Can you say something about Buchschlag, Dreieich, and Langen? I walked through there once and there were some really nice spots. Also well connected to the city. Unfortunately, I wasn’t there long enough to form an opinion.
 

Bertram100

2020-12-30 10:56:20
  • #6
I thought the children aren’t here yet, right?

No, I definitely know more lifestyles than my current one. From personal experience (I’m also a business economist with professional experience).

Why I have to laugh: the self-image doesn’t at all match the wishes expressed here. Between the lines, all sorts of (pre)judices flash through. Along with the almost childlike questioning about the situation around Frankfurt.
If someone with this income were modest, then he (rightly) wouldn’t have any financial fears at all. So what are the questions supposed to be about?

In my opinion, the OP doesn’t have a question at all: he knows about real estate, he has significantly above-average securities, knows what he wants, and can use the internet. That’s all it takes. He doesn’t want more either, because both pagoni and I get a rejection of our statements. Yes, that’s one way to do it and it’s legitimate. That’s how the dissonances become even more apparent. It’s interesting, isn’t it.
 

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