Small techniques of inheritance into the amount of financing?

Hello, welcome to the forum.

So könnte man doch selbst mit den Werten eine 600-700k Immobilie mit einer Rate von 1.500€ finanzieren mit einem Restwert von 50% nach 20 Jahren.

What you can do will ultimately be decided by the bank. But 1% repayment is hard to get, especially with 100% financing, since all your equity will be used up for incidental purchase costs. Make an appointment with the next bank or broker to clarify your credit limit.

in Aktien haben wir knapp über 100k, die werden aber nicht angetastet.

I think you will have to, though, if you want to go for a higher-priced property. But why not? The inheritance will surely come.
What are you saving for, if not for the home? What else do you plan to do with the money?

Wir haben neben der Warm-Miete von 1.300€ und einer Investitionsrate von 750€ eine Sparrate von 750€

I would say that is enough for a more realistic annuity of 2000€, ancillary costs, and a small remainder for savings.

What about my question: Old building or new building? The calculation from Dr. Klein (roughly) says: 550,000 for 1,500 repayment, 650,000 for 1,900 repayment. Next question: why invest double? Stocks and house? You’re not a high earner just because your parents are covered by long-term care insurance?!

What about my question: old or new building? Dr. Klein's calculation (very roughly) says: 550,000 for 1,500 repayment, 650,000 for 1,900 repayment. Next question: why invest in both? Stocks and house? You are not a high earner just because your parents are covered by long-term care insurance?!

sorry! Rather a new building or renovated old building. Definitely something where we don't have to do anything anymore (except small things). We have only had bad experiences with craftsmen in our lives and see the entire industry as a burnt market. Furthermore, there are apparently no craftsmen here for the next 2-3 years (Bad Neuenahr, flood). Stocks, so that by the latest in the mid-50s we can stop working and have a passive income, the property to live in. With the goal of having completely paid off this property in 20 years and being able to live off the dividends and a relaxed part-time job. We already consider ourselves high earners, with a total household gross income of €150,000 per year I think we're doing quite well. The alternative is to find something to rent (which is almost impossible) and then with the inheritance and about a €1 million stock portfolio also be able to retire comfortably in the mid-50s. Besides, I have always been a big fan of diversifying assets. Art and gold also still play a role in my asset allocation.

As high earners we already see ourselves, with a total household gross income of €150,000 per year I think we are quite well off.

That's not really true, is it? That's why the constant mentioning of the inheritance and the substantial estate?! You are not badly off, but not good enough to say something like that about yourself.

Rather even more expensive, ok....!
if your equity of 80,000 has to cover the additional purchase costs and "moving-in costs," and some here say: salary x 100 or 110 as financing amount. So that would be 560,000-600,000€. That is therefore already tight to hardly feasible.
.

Thank you! Do you mean gross or net salary x 100/110?

That’s not really true, is it?
That’s why there’s the constant mention of inheritance and the substantial estate?!

You’re not badly off, but not good enough to say something like that about yourself.

How do you come to that statement? Take a look at Wikipedia under Income Distribution in Germany, there you can see where the “high earners” already start; with €75,000 you already belong to the top 13.5% ….