Shortly before the completion of the financing

2 full earners, about 7k net per month (+ commissions), we wouldn't really dare to take on more than a 2k installment long-term, even with children.

That's why banks no longer use flat rates beyond a certain income size, but rather percentage values.

But with 2k on 7k, there’s certainly a lot of special repayment possible;)

That's why banks no longer calculate with flat rates from a certain income level, but with percentage values.

But with 2k to 7k, surely a lot of special repayments are possible ;)

Sure it would be, but there are no children involved yet. So parental leave, part-time work, and additional costs are still coming :-)

I still find the income/expense calculation from the OP exemplary. Friends/acquaintances of ours laughed at us because of that, supposedly earning well over 150 thousand gross annually together, but allegedly can't manage more than 1500 euros monthly... yet finance every nonsense, think of the expensive kitchen in the fancy rental apartment in the best location.

@ OP: Why actually Lovefilm and Netflix? And how often do you spend 200 euros on eating out?

Who still uses that today? Honestly? I thought since Amazon Prime that no longer exists :rolleyes:

I do! I don't like streaming, but I do appreciate the reliability of quarter-past-eight movies :)

Television is streaming without the possibility of choice.