Single-family house with basement in NRW - is our financing solid?

Exactly , I sometimes have the feeling in worse moments that "it's calculated too tightly," although we probably summed up our expenses somewhat sloppily and too generously.

In the end, our equity has increased (considerably) over the past few years, so it can't be that bad. Parental leave/allowance is also a manageable period, starting next year my wife should work part-time, and in 3 years full-time again, which is only a small (but important) period in the +30 years of financing....

Anyway, last night we started going through all the bank statements of the last 1.5 years down to the last cent again to be able to question the Excel crystal ball more thoroughly - we'll see....

Good idea, if so much money has remained, the situation really can't be that bleak.

Where do the 1260€ per month costs for voluntary statutory insurance come from?

I am voluntarily insured under the statutory scheme myself and nothing has changed for me compared to the normal statutory insurance (the usual deduction of the health insurance contribution from gross income) – except that now during parental leave I have to pay the insurance, but that is only 180€ per month.

Where do the 1260€ per month costs for voluntary statutory insurance come from?

From the amount, it looks like the total deduction for health insurance and pension insurance combined - the respective employer shares in positive should also be found on the statement.

You are standing solidly in life with a good income and a lot of equity with 2 kids. All good! As for the construction volume, the professionals will say whether it’s enough. What profession do you have in the public sector with so much net income in a poor tax class?

I suspect, as I first suspected, that the €3200 net occurs in tax class VI. When looking at the other values, the €3200 is probably the "normal" amount in tax class V. Or are there still significant bonuses with E14?

Hello there,

Where do the 1260€ per month costs for voluntary statutory insurance come from?

The amount of 1260€ results from all insurances per month, so car insurance, occupational disability, liability...

I am voluntarily insured under the statutory scheme myself and nothing has changed for me compared to the normal statutory insurance (a normal deduction of the health insurance contribution from the gross) - except that I now have to pay the insurance during parental leave, but that is only 180€ per month.

I am voluntarily insured under the statutory scheme because my gross salary is above the "annual income threshold" (a very German word). I get my salary transferred (including the employer’s share, see next point) and then I pay the insurance stuff from my account – no deduction from salary. But that costs over 800 quid per month (with TK) – your 180€ apparently comes from a different assessment basis, right?

From the amount it looks like the combined deduction for health and pension insurance - the respective employer contributions in the positive should also be found on the statement.

That’s correct, I pay well over 800 €, but also get the monthly employer’s share transferred. Since I receive one and pay the other, I considered/consider the statement "I receive 3200€ net, pay 1260€ for (all) insurances" to be correct, or not?

I suspect, as I first suspected, that the 3200€ net applies to tax class VI. When looking at the other values, the 3200€ is probably the "normal" amount in tax class V. Or are there still significant surcharges at E14?

I don’t understand the post 100%, but tax class V is correct