Variable loan possible / sensible?

Hi Jana, You keep providing the ammunition for this yourself. You want a house immediately now, at least in the first thread, where you were already given sensible tips that you probably won't manage with the targeted costs. Then comes the - reasonable - realization that it probably won't work out that quickly after all. Now a new thread is opened in which you might want to reconsider your approach. Many good tips were given for that as well, but they are hardly addressed. You want to save money now and slow down one or two steps, very positive. But then there are statements again like "bought a stroller for 1500€" etc. That somehow doesn't add up... I just had to say that now. Regards Olli

I think that's enough, dear Jana. If you think there is too much RUMGESCHWATZT here and the direction is not the one YOU would like, then you should stop doing that with a forum. Such HERUMSCHREIEN is also not appropriate. You turn yourself in all directions and spin around your axis countless times and everyone has to spin with you - that doesn't work! That is diva behavior.

Or rather, what do you already know about our demands regarding the house?

I don't know much about yours except that you wanted to build extremely cheaply, but at the same time lived quite expensively.
About my life, I know that I live relatively frugally and wanted to build cheaply, but still – and without real luxury – the costs pile up very quickly. You really have to be careful. And these are all planned costs now; the unplanned ones aren’t even included. In the end, it’s like when buying a car: because of a comparatively small amount – relative to the total price – you don’t want to do without the extra. You do that a few times and thousands of euros are gone.

I don’t know much about you except that you wanted to build extremely cheaply, but at the same time lived quite expensively. I know about my life that I live relatively frugally and wanted to build cheaply too, but still — and without real luxury — the costs pile up very quickly. You really have to be careful there. And these are all planned costs now; the unplanned ones aren’t even included. In the end, it’s like buying a car: because of a relatively small amount compared to the total price, you don’t want to miss out on the extra. You do that a few times and thousands of euros are gone.

She doesn’t want tips from other people.... What does it have to do with Jana if many other people took out a 300k loan, but it ended up being 400k because the home builder nicely calculated everything? What does it have to do with Jana if it’s very hard for many to pull the emergency brake when you could always have something nice for 500€ more? We just discussed for ages about sunshades, electric shutters, or manual shutters. It’s always only about 500-1000€, but they add up. Even for us frugal people it’s unfortunately no different. Those are perfectly normal helpful tips you don’t have to get upset about. And if it was only about whether and on what conditions you can get a variable loan, you have to ask your bank anyway. We tried to shed light on the other side. The bank doesn’t tell you that they’ll give you the loan, but of course you have to severely restrict your lifestyle for it. No one at the bank asked us how we intend to pay the 1800€ installment. Even less did anyone ask if we could manage the restrictions when we eventually only get parental allowance and still have to pay the 1800€ rate. You really have to take care of that yourself.

No one at the bank asked us how we intend to pay the €1800 installment. Even less did anyone ask if we can cope with the restrictions when we eventually only receive parental allowance and still have to pay the €1800 installment. You have to take care of that yourself.

From the banker’s little black book: You don’t need to ask a financing prospect who, despite monthly rent payments, has diligently saved the necessary equity. Experience shows that they manage it. These are the customers we like to have, and they tend to take offense quickly when questions become too "intimate." The type of customer who, besides their ongoing car and consumer loans, believes they can easily handle a €1800 installment for their dream castle (even though they overdraft their account every three months) must put up with these questions. No one minds too much if they threaten to leave for Targo and the like.

who is supposed to gain anything from this theoretical babbling?

I reported from practical experience: living cheaply is usually time-consuming. Not everyone's thing. But maybe the hint was just babbling after all? Honestly, I get the impression that you should give yourself a real "reality check" again. That way you would get more grounded to make better decisions. Right now you can't distinguish between superficial reasons (I just live cheap) and genuine desires (house, plot, condominium) and reasons that speak for or against them. You haven't even started the mundane, logical step: designing a plan for a small house and seeing if you like it. That would be a good start to reach a preliminary decision during the sorting phase.