Small techniques of inheritance into the amount of financing?

How do you come to that statement? Have 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% ....

This is about the statement "high earners," nothing more or less. He can get roughly a €560,000-600,000 loan with a net income of €5,600. And that with at least 2% repayment. "Big" leaps, as means, are not possible there. Even if Wikipedia says something... It’s about the net income. Where are you looking? Ps. Wikipedia is only as good as the information fed into it.

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 upper 13.5% ....

But that doesn't help at all – he still belongs to the upper middle class. The top 10,000 are simply not the top 10%. The average people are all 95% or even 97.5% of the citizens in the statistics – after that, it gets interesting and really "big." And yes, I know the made-up boundaries sociologists draw regarding social classes – by the way, those are the ones who themselves say they know nothing about high earners and the upper class.

If he alone brings in €150,000, and his wife another €100,000, then he is slowly entering the entry-level class for "high earners." That way he has it comfortable, but by far not enough. If a completely normal 170 m² house of high standard, 5 years old, now costs around €1 million, unfortunately such an income is also not sufficient. So he can't be a high earner if the whole thing only runs on unrealized inheritance.

Then there remains the question whether the OP also has the power of attorney for care. Otherwise, there could still be problems with the seemingly secured inheritance.

Hello, what exactly is it about? The 1% or a high loan amount?

If you can save €750, you should also be able to reduce this in favor of the loan. And with €4,500 net and €1,100 part-time, you don’t have €150k gross. More like €115-120k. You are probably looking at the situation before the part-time. But the bank doesn’t care about that.

There remains the question of whether the OP also has the power of attorney for care. Otherwise, there could still be problems with the seemingly secure inheritance..

I have a power of attorney for health care. But since both are in a nursing home and fully cared for there..

Hello, what is it specifically about? The 1% or a high loan amount? If you can save €750, you should also be able to reduce this for the loan's benefit. And with €4,500 net and €1,100 part-time, you don't have €150k gross. More like €115-120k. You are probably looking at the situation before part-time. But the bank doesn't care about that.

that's true, we would be willing to do that as well. Yes, there is also a bonus with me in a not insignificant amount. But despite the house, we do not want to restrict our very high standard of living (we spend about €900 on groceries per month and sometimes spontaneously go away for 2 days for €800). That is not important enough to us.

The future plans are all well and good, but they don't help in the here and now. The here and now is what counts for the bank. As I said, go to your house bank and the financing broker and explore your maximum credit limit. Do not withhold any details, such as very high bonuses, which apparently are missing in the opening thread. And please, please report here what the banks say :)