Variable loan possible / sensible?

Hmm, do you already have children? Do you live in the city? I read something about a 3000-inhabitant village. You probably don’t need a practical model there and just drive a car anyway. Otherwise - 1500 for a double stroller wouldn’t be much. And around 1000€ for practical variants that allow you to get around in the city and in an apartment building wouldn’t be either..

Sure, it can be cheaper, but you notice that everywhere.

Yes, I do. I would be interested to know why you don’t need a "practical model" in the countryside? And just drive a car anyway? Sorry, but that is the most naive cliché thinking and actually not your style at all?!

Also, nowhere does it say anything about double strollers, but in a forum I have to rely on the written word. It says stroller. My best buddy had to complete a test course with a stroller because of his wife, yes those really exist, and because one model could "turn so great on the spot" (quote his wife) it had to be this one, at 1200 euros. He got to hear from me multiple times and regrets spending that money himself. Ours cost 250 euros and turns on the spot just as well. It also does everything else it’s supposed to without problems. It has even been in the city already ;)

But - and you know this too - this isn’t about that stupid stroller per se. However, it stands for the family’s lifestyle, which the original poster has already explained several times on other topics and how the standards here are quite upscale. And from me as well: that is fundamentally totally okay, their business. But in this particular case it simply clashes with the desire for a homeownership, I wanted to make that clear along with others here and we met with little understanding.

I myself find 0.0 relation to the topic of variable financing.

Just open your eyes, I was able to find enough about it here.

What kind of cheek is being exercised here, reaching into the pocket and still discussing how outrageous it is not to have lived like a church mouse, so

Who here is claiming that it is outrageous not to have lived like a church mouse? No one.
But it is simply unreasonable to blow money if you want to have a (too) big house as quickly as possible on a low income.

I myself find 0.0 relevance to the topic of variable financing

This was mentioned several times,

e des schönen (und somit so unverschämten Lebens, das ihr selbst nicht habt)

Now you are making assumptions...

Therefore, one should not be surprised why I do not respond to many lectures at all.

Then you shouldn’t be surprised if things don’t go your way here...

(How ridiculous)

You are making yourself ridiculous right now with your tirades.
In this sense
Olli

What kind of audacity is this being exercised here, reaching into the pocket and still discussing how outrageous it is not to have lived like a church mouse, but to spend one's own earned money according to one's own sense?! I am more than sure that none of you would ever dare to open your mouth in REAL life and reprimand someone.

No one was reprimanded here.

So, whoever is so stupid and does not understand WHY I react this way should ask themselves a single question whether they are entitled/capable of lecturing other people without even being asked to do so!

I understand your feeling of being pushed into the virtual corner and now swinging for a liberation blow here. Fair enough. But stop reprimanding us, because your initial question was the following:

Therefore my question to you – is something like this even feasible/sensible in our case or should we first completely withdraw from our plan and save?

You explicitly asked for opinions on your financial situation and about saving. And yes, that is the nice thing about the internet: You get answers that you wouldn’t receive in real life out of supposed politeness. In real life, people talk behind your back, not as directly as here. Here no one wants to harm you. Neither at the start of the discussion nor now.

Without replying to everyone individually and hopefully thereby concluding this, I would like to quote a Russian classic: "who is actually exercising this judicial office?" and the second, even more essential question, which should also serve as an answer to you, why I do not respond to "many such useful hints/questions": at what point have I asked anyone here for their opinion or even advice on how I should live; what baby items may cost; how big/small the house may be, etc.

This clearly exceeds the scope of the original question I asked and ONLY because I do not provide this transparency, the discussion and judgment continue endlessly, etc.

What kind of impudence is being exercised here, reaching into the pocket and still

No one has reprimanded anyone here.

I understand your feeling of being pushed into a virtual corner and now wanting to strike a blow of liberation here. Fair enough. But stop reprimanding us, because your initial question was the following:

You explicitly asked for opinions about your financial situation and the topic of saving.

And yes, that’s the nice thing about the internet: you receive answers that you wouldn’t get in real life out of supposed politeness. In real life, people talk behind your back, not as directly as here. No one wants to harm you here. Neither at the beginning of the discussion, nor now.

But it is discussed and judged endlessly, just because I do not provide a certain transparency. But I just don’t understand why I owe anyone here a report on how we have adjusted / have been adjusting financially to fulfill our desire for ownership.

If I don’t confess here, the prejudices and speculations continue endlessly. That is very poor and undignified, in my opinion.

- Nowhere do I explicitly write that we do not care at all about these 160m², that we entered this size category at all because with the chosen construction company it would have cost €8,000 more than 130-140m², it is immediately assumed that we ONLY want that and are so stupid as not even to calculate for ourselves at the end what we want/can afford.

- Nowhere do I explicitly write that we are closely examining the cost breakdown, it is immediately assumed that we are not doing so.

- Nowhere do I explicitly write that the so-called almost legendary stroller was purchased in the summer when we hadn’t even dreamed of building a house yet (right after the Mykonos vacation, by the way, to give you even more fuel ;)), it is immediately assumed that we continue to live so wastefully even now that the house topic has taken priority.

Then a simple question arises from my side: why do I have to make an effort to justify myself and cast pearls before swine (metaphorically, no insult!).

We and only we must be able to make a decision in the end. We are capable of doing our own calculations. And we don’t have to explicitly follow every instruction—also because many of these things are clear to us anyway. And that’s why we don’t question them.

That’s why I emphasize again: we have received input, many thanks. These digressions into consumption and private life are unnecessary because we are clear about that ourselves and once again, very emphatically: these are not questions here.

Why I still answer and waste my own time, no idea, but I have observed this know-it-all and lecturing tone from some people in several threads here, so maybe it can also serve as a prompt for the masses to think: don’t respond to what isn’t asked. Don’t judge what you don’t know. And don’t lecture adults if they haven’t explicitly asked for it.

As I said, this anyway belongs to the basics of polite interaction with each other.

So, here are a few excerpts across the board from start to finish:

but many details also come to light that you should question for yourself.

The nice thing is, you can still sell the property again in two years and switch to the condominium.

You have a great background (according to your statement in the first topic) with construction company, civil engineer, free materials and lots of support from family, etc.

In the last pages you have been torn back and forth between variable financing and the condominium.

If I were you, I would put the whole topic aside for the next few days, switch off thoughts about it, because you constantly get caught up in new ideas/alternatives and somehow lose sight of the essential/original.

You should think carefully again about what you really want.

You should go within yourself and think about what you want. I think you don’t even know anymore.

Honestly, I have the impression that you should do a real "reality check" for yourself again.

these were and are all well-meant pieces of advice, because you came with doubts on an endless loop. And with more information, which no longer offered an objective presentation.


And then came this:

Then I ask you to moderate your strongly developed judgment and maybe not apply it where it is not appropriate and where it was not expressly requested (because that belongs to good manners and a certain intelligence, at least in real life).

I have received the answer to my question: yes, variable loan makes sense if we, just like with any other project, remain consistent and trust ourselves with this double burden. Everything else: speculations, accusations, criticism, judgments, comparison with one’s own worldviews, comparison with one’s own financial situation, etc. is NOT CONSTRUCTIVE and NOT WANTED.

This post was paid far too little attention here.

What was little noticed here is my above-mentioned request not to make rash judgments here and to fall into self-discussion,

No : it wasn’t noticed because the topic was discussed up and down in the other thread. Well, approximately. It was at least explained that the guy has construction contacts and thus gets materials cheaper.

And bam: they immediately twisted that against her. How can you buy a stroller for 1500 euros.

Honestly: there are actually other threads where something like this is extensively discussed with insults, etc. What happened here? Nothing!

Nowhere do I explicitly write that we don’t care about these 160m2, that we entered this size range at all because with the selected construction company it cost 8000€ more than 130-140m2,

you can simply say that when 160 sqm repeatedly come up as a topic. You don’t just silently ignore it.


Anyway: this discussion did not have any major outbursts, nor did anyone get rude. Up to a point.
It just spun in an endless loop with expansions like "what if". But even that was answered patiently.