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

  • Erstellt am 2020-08-23 03:18:32

Altai

2020-08-25 05:13:44
  • #1

So only the taxes are deducted from you and then you get the employer's shares on top and pay all the insurances yourself?

Strange procedure, I am also above the JAEG, but the contributions are normally forwarded by the employer. This way your "net" is not comparable to what is usually understood by it: namely the portion of the salary that is actually available to you - after deducting all contributions.
 

Ysop***

2020-08-25 06:20:05
  • #2
I would still be interested in the cold rent and your actual monthly savings. And yes, health insurance must be excluded. By summarizing the living expenses into the 2,900 chunk, I also don't know what is included in it or if something is missing. And why do you find it difficult to project the second child when you already have one? At least the initial period should be calculable.
 

Tassimat

2020-08-25 09:24:11
  • #3


It may be mathematically correct, but very unusual to state it that way. As Altai already said, you suggest a higher income that you do not actually have. The health insurance is not a voluntary insurance that you could simply remove without replacement.


Yes, that is the best indicator: cold rent + savings compared to the monthly installment and you can see how much breathing room there still is.

In the initial post, you mentioned numbers:


The calculations with the health insurance aside... that nothing is left over is not so great. Cold rent 700€ compared to a desired rate of 1200€-1400€ plus higher additional costs, reserves and all necessary small purchases... it doesn’t add up. Not even with 800€ more from your wife’s part-time job! And you even say that your vacation costs will increase in the future. To put it bluntly, you are even planning to increase consumption.

Actually, you have great conditions with the property, equity and good salary, but as said, it doesn’t add up.
 

moHouse

2020-08-25 09:28:54
  • #4

Breaking down the household account retrospectively will answer many questions here.

Regarding the transition from parental leave to part-time:
How is the daycare situation with you? Relaxed?
Our daycare year starts in August. During the year you only get a spot if you’re lucky. We know many where usually the woman with zero income (parental allowance expired after 1 year) had to manage for a few months until the start of daycare + 1 month acclimation.

If your second child is now 2 months old and was born in June, that is only 2 months.
 

Altai

2020-08-25 10:02:33
  • #5
I already wrote that earlier, especially since the €800 is largely "eaten up" by the daycare - with €400 plus meal money. It is also not cheaper if you work, as there may be travel costs, eating out... This income increase can essentially be forgotten. Classification E 14 was mentioned, that is quite decent, but of course the gross amount also varies depending on the experience level. Then there is the tax class for the net income - but that also does not generate any additional money, even if the "favorable" (III) is chosen, it just means more money monthly instead of a refund at the tax return. Really check the expenses again and the net amount, as generally understood. That way you can better see if it works out. In the end... you already have the land, if necessary you just have to wait a little longer. Or keep a solid buffer from the equity for "topping up".
 

Tassimat

2020-08-25 10:17:04
  • #6

Waiting is also a very bad idea for the thread creator with less than 30 years until retirement and no savings performance.
 

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