What can we finance?

What does your post have to do with mine now?

What does your post have to do with mine?

You asked a weird question and answered it stupidly. I just wanted to clarify. In a separation, you also never have the guarantee to get the original purchase price back on the market. You also have to pay a prepayment penalty. With such sums, it costs a few euros.

My question wasn’t that strange. The risk is rather lower when selling your property again in such a hotspot with horrendous prices.

That's just a bet. Do you believe that the object will retain its value? Then basically nothing can go wrong. In the time before children arrive, save up some reserves. That should be possible. To then cushion the parental leave. Even with 4500+1800 parental allowance +200 child benefit, you can probably get by. Yes, after a year you have to go back to work. That is the price. In the relation between income and credit, the conditions are similar for me, the absolute numbers are lower. I have decided to bet that in the Lighthouse of the East the real estate prices will not plummet. And when I see what is being asked for here with us, for houses in need of renovation, or to extend (because very tiny), let alone for newly built ones... Then I can probably add 20% to the price I had to pay for my (new) house when it is finished and it will still be snatched out of my hands. What could happen to me? Big advantage though: no risk of separation.

Additional purchase costs, ancillary construction costs, house, access road, terrace, connections, etc.)
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then at least another 100k on top. Believe it or not. In the end, I am right anyway.

My question wasn't that strange. However, the risk of selling your property again in such a hotspot with exorbitant prices is rather lower.

This is just a guess. The demands of buyers are also increasing year by year. Just as an example: Just because a plot costs €400k and is built with a low/middle-budget house, it does not mean that someone is willing to pay €900k (including early repayment penalties) for it after 5 years. Reasonableness also sets in somewhere for people. If expensive, then properly so that house and land match together. Again, location, location, location applies.