Single-family house: Is the rate realistic? How much house can we afford?

2022-07-12 23:12:44

AND: Through home office and meeting duty, we are anyway only talking about 2-3 days of commuting, the rest I can do at home or in the small town (10 minutes, never any traffic jams).

may I ask: I thought you were a judge? Aren't you usually (or not so gladly) welcomed on site then?

Commuting 10 km across a big city

… you do that by public transport, right?

We have indeed built devices like coffee machine, steam oven and microwave centrally into a kitchen cabinet wall. (So the kitchen is built around the appliances :)) Everything is super easy to operate and looks very tidy.

A passionate coffee drinker who considers himself the proud owner of a machine out of passion will certainly not buy a built-in machine, nor install his machine.

2022-07-12 23:45:54

The really important contribution was from Maschi33 ;) What I read from your posts is that you are aware of your overall elevated standard of living. That is nothing negative. It only becomes problematic if you can't handle it. Buy the Slayer in 10 years and everything will be fine. Approach the whole thing appropriately. Try not to go too high on the rate. If salary increases are certain, also pay attention to repayment switches or special repayments. A special house does not have to be expensive.

2022-07-13 06:16:30

I can no longer understand some people here. Obviously, there is an attempt to discredit the inquiry here at all costs. It starts with the supposedly expensive hobby, then moves on to expensive cabinets needed for the hobby. Then the tip to reduce deposits into the ETF. Especially with falling prices. Because the money is urgently needed. I consider both impermissible. Especially now, investments should be made, as the remaining debt can be well reduced prognostically. Additionally, there is indeed the possibility to continue building equity for the house until it is basically finished. Along with a salary according to R, plus good prospects for the future. With a normal lifestyle, it is probably possible to just get by with €3000 after repayment and house incidental costs. Of course, we live in uncertain times. But with secure income and a reasonably moderate approach to building and lifestyle, this is, in my opinion, an absolutely safe bet.

2022-07-13 07:17:41

I can no longer understand some people here. Obviously, there is an attempt to disparage the local request at all costs. It starts with the supposedly expensive hobby, then it goes to expensive cabinets needed for the hobby. Then the tip to reduce contributions to the ETF. Especially when prices are falling. Because the money is urgently needed. I consider both to be unacceptable. Especially now is the time to invest, as the remaining debt can be prognosticated to be well reduced. Moreover, there is certainly the possibility to continue building equity for the house. Until it is basically finished. Plus a salary according to R, plus good future opportunities. With a normal lifestyle, it is probably possible to just get by with 3000€ after repayment and house incidental costs. Of course, we live in uncertain times. But with secure income and a reasonably moderate approach to building and lifestyle, this is in my opinion an absolutely safe bet.

Of course, "Gerichtsdiener" will be able to build; as a civil servant he can even find a bank that will finance him up to 100 times his monthly net income. The only question here is whether it will be sensible to go into such high debt, and perhaps a few critical remarks will help. Otherwise, one might eventually discover that the Ikea kitchen no longer quite matches the luxury portafilter machine, or that great trips abroad are talked about among colleagues, but one's own financing is too tight...

2022-07-13 07:30:30

Of course, a "court usher" will be able to build; as a civil servant, he can even find a bank that will finance him up to 100 times his monthly net income.
The question here is only whether it makes sense to go into debt that high, and perhaps a few critical remarks can help.
Otherwise, one might eventually discover that the Ikea kitchen no longer quite matches the luxury portafilter machine, or colleagues are talking about amazing trips abroad, but one's own financing is too tight.....

Man, you are annoying again with your comments...

2022-07-13 07:35:35

The cheapest house is still a rectangular box with a gable roof. Every bay window, dormer or roof window, every conservatory or stairwell tower that makes the house "interesting" costs a significant extra

That is true and also matches my experience. In my opinion, bay windows, dormers, roof windows, or conservatories do not necessarily make a house interesting. However, a stairwell tower certainly does. :)

Single-family house: Is the rate realistic? How much house can we afford?

ypg

Trademark

Joedreck

Marvinius

driver55

Pinkiponk