Risk house financing or not?

I would not finance such an amount. Just go to some Internet sites and enter your data and look at the interest rates. That shows you that the banks (if at all!!) only lend you money with very high interest surcharges. That already says a lot!!

Well, depending on the calculator, it's crap anyway. One calculator gives me the 400,000 at 2.5% ... so I'd jump on that immediately over the next 20 years. Another calculator gives me the loan for 20 years at 3.89% ... that would be 1900 payment every month. And after 20 years then a remaining debt of 180,000. Financing is something completely individual. The personal situation, as well as the job etc, is included in the risk assessment. These online calculators have only one purpose... advertising for the initial contact. Especially with a very prominent provider of this kind, I've had trouble for months because the advertising emails and calls don't stop.

Maybe I can still contribute something about Switzerland, I have dealt with it very intensively, after my studies I almost signed two contracts there:

A salary of about 6500,- SFR * 13 months is therefore quite normal in Switzerland - depending on the taxes (different depending on the canton), it should be about 5000,- € net. The cost of living is much higher, but usually does not completely eat up the salary increase.

BUT:

If your husband "only" gets 4,000,- € net in Switzerland, that is quite tight - if you then also want to become so-called cross-border commuters, your net income will be significantly lower again, since you have to pay certain contributions in Germany - so it is by far no longer 4000,- €. That means: living near the border is cheaper (groceries), but the total contributions are much higher - so it’s really not worth it - my best friend now lives there on site and has exchanged information down to the last detail with his tax advisor and the authorities.

Hello Sheva,

thank you for your information. It is that we also inquired beforehand about what ultimately remains for us. We were at the cross-border commuter information center. There they calculated what will be deducted from us and what really remains for us. You have to pay taxes on your salary both in Switzerland and in Germany. In addition, my husband still has to have private health insurance in Switzerland. Since I do not work yet, I would also have to have health insurance for myself and our child in Germany because I do not have an employer. However, the cost of living in Germany is still lower than in Switzerland. We currently live about 70 km from the German border. Therefore, we can also compare prices.

Our main reason for moving back to Germany is our child. We want her to go to kindergarten. She needs contact with other children. This also contributes to development. This is not affordable in Switzerland (about 1700 € per [MONTH]). And compulsory kindergarten here only starts at age 5. That is not an option for me. I also want to work at least part-time again. You do not want to stay away from the labor market forever. It does not look good on the CV either.

We were told that it would only be worthwhile to move back to Switzerland again from a salary of about 10000 CHF. But since I am realistic and do not think that my husband will ever earn that much in his industry, we have also decided to settle at the border and build later.
Best regards