Savings beginner with questions about the plausibility of the "rough" plan

Hello Sirhc,

I think it's nice of you to try to point out a certain savings potential to me. Thank you! I will think about it again...

As for the starting salary, one should also consider that the woman will eventually only work 20-30 hours and earn correspondingly less. Therefore, just assuming 4500,- ... simply to illustrate that it would be a very, very tight situation.

At the moment we live really well and lack nothing! Nevertheless, we save 2500,- ++ to perhaps eventually purchase a home.

Best regards Mattheu

why I cannot/would not pay an installment of e.g. 1,800,-

at the moment we live really well and lack nothing! Nevertheless, we save 2,500,- + +

I wish I had your worries . If currently more than 2,500 euros/month are left "just like that," then the installment of 1,800 euros/month shouldn’t scare you, right?

I wish I had your worries . If you currently have more than 2500 euros/month left "just like that," then the rate of 1800 euros/month shouldn't scare you, right?

Hello Bieber,

I think I'm expressing myself completely wrongly. Because somehow I keep going around in circles...

At the moment(!) I'm managing fine and everything is good. My partner and I don't have a child and both of us earn full salaries.

But if I buy a house and then have a child, I also have to pay for those things. However, then with a lower income. So when considering whether I can afford a house, I tend to base it on the "worst case" (realistic).
Or how do you handle that?

Regards
Mattheu

But then you also no longer pay rent like now, but "only" the loan for the house.

Yes, but the loan for the house would then simply be more than twice as expensive as the current rent.
I have listed the calculation above...
Would you like to take a look at it and say what is "wrong" with it?

How much is your current basic rent? Add that to the savings rate of 2500 that you can currently save. If I understand correctly, the amount is much higher than a possible burden of 1800€ for the house + amount x, which then gives you less available due to parental leave, etc. At least that's how I see it. No one is demanding that you can still put aside that much money once you have the loan running. Save equity now, repay the loan later.