Sell house directly again - Prepayment penalty

yes, I’m slowly starting to figure out what exactly the problem is. If I may be honest: I just had my first child and we recently moved here. The only thing keeping us here is the money or rather the job (only partially possible remote). Somehow it was more like: the child is here, we need to settle down. Well, let’s buy something here. Because of the prices in the metropolitan area, only a big compromise was possible. Well, now it’s backfiring on me. I’m not exactly sure what the problem is and what we should do

Good evening, how old is your child? Newly born? Maybe you just need a little time to settle in!? I moved from the capital to the surrounding Brandenburg 12 years ago and didn’t know anyone either. With the first child, the contacts came, and now with three children, it feels as if I grew up there myself... however, if it really is the noise level, then it might really be advisable to seek a change with all its consequences, as noise, even subjective, makes you sick. What does the rest of the family say? Best regards, Jasmin

I would first like to say thank you briefly for the comfort and understanding I find here! I am very glad that I am not met with mockery and did not expect to find so much empathy on the internet. So really, thank you!

A short note for understanding: we have lived in this area for 8 years and have also found social connections, but it has never really felt like home here. I can hardly describe it... Maybe we thought it would be different with the birth of the child and buying a house, but I feel even more uprooted now. However, we have no points of reference on either side like grandparents, etc. We would have to create this sense of home ourselves, but both of us earn six-figure gross annual salaries here, which ties us down.

Regarding the house: I currently perceive it to be so loud that I can hardly believe I didn’t hear it before?!! But I don’t know to what extent psychology plays a role. This really is an expensive residential area with large single-family homes (some established for a long time) and several new developments... all very sought after. I don’t understand it.

The internet calculates the prepayment penalty at 14,000 euros. A costly lesson and that has convinced us today (i.e., the family) to “enjoy” it here for now. We give ourselves one year and then we have to see how it feels after a year. If it doesn’t get better, then we will probably have to look for something new but until then know exactly where and what. I do not want to go through this again. Then we could transfer the loan with a new property and "save" the money.

How does it look with incidental purchase costs for a new purchase? If I buy cheaper than now and the bank has to pay me something back. Can I then use that for the new incidental purchase costs? Is it foreseeable that the real estate market will be better for a sale next year?

Expensive single-family house area and your house cost 380k? You can get a one-room apartment for that here. Tip: first take a deep breath and give it time, you’re already so far (was in a similar situation, but withdrew from the notary contract)