Salaries, A6 and other unknowns

Well, not really. We are just as screwed if the job goes down the drain as Steffen. The result is the same. You can only hope that by then you have paid off enough to be able to treat yourself to a fresh start by selling. Just because he is self-employed doesn't mean he is taking more risks. He has his reserves in the form of a year's salary, we employees have unemployment benefits.

In case of doubt, the interest for a "reasonable standard house" will initially be covered by the authorities if you lose your job.

The owner-occupied house plot or condominium may only be of a reasonable size. For a family of four, a living area of 120 sqm is considered reasonable according to a decision by the Federal Social Court. For each person fewer, 20 sqm must be deducted. Thus, 80 sqm of living space is reasonable for a married couple, but also for a single person in a condominium or a house.

The plot size is still reasonable if it does not exceed 500 sqm in urban areas and 800 sqm in rural areas.

In individual cases, a deviation regarding the square meter area may be possible.

In case of doubt, the interest for a "reasonable standard house" will initially be covered by the authorities if you lose your job.

PS: I would immediately trade a net income of 4000..5000 EUR as a civil servant for my income

Greetings