Stomach ache due to these large home financing numbers

No, actually not at all. I'm just dreading the numbers of the total volume. On the other hand, we - not including rent increases - will also be paying more than 500,000 euros in rent over the next 30 years....

2% on 30 years is unrealistic. With the loan-to-value ratio rather 2.8.

Offers are already available, though.

Moreover, this is not "undeclared work"; everything is done properly with invoices, so a considerable amount of taxes will also be incurred. I also cannot recall ever having spoken about undeclared work.

Because everything is settled then.

Since you still mix purchase incidental costs with construction incidental costs, despite fortyfold expertise, I allow myself the remark that the term is not the same as the fixed interest period. Just in case there is also an error there.

And what will these bills then be paid with?

Because everything is clarified now.

Since you still mix purchase incidental costs with construction incidental costs, despite fortyfold expertise, I allow myself the remark that term is not the same as interest rate lock-in. Just in case there is also an error there.

Yes, interest rate lock-in 15 years. But since in 15 years I will have 1,000 net more in my current salary class, I would basically take the risk. Besides, I don’t know what the fuss about my family background is supposed to mean. We are absolutely at the beginning of the planning and I would like to gain as much experience as possible. Since I have only loosely talked to my father once or twice so far, that is certainly not reprehensible.

That is how it is, as also points out: You forget the incidental construction costs. They have nothing to do with the additional purchase costs.