jessi7755
2018-08-13 16:26:37
- #1
Oh, quite a lot has happened here, I hope I don’t overlook anything....
So:
Yes, I’m sure! Even if I couldn’t tell gross and net apart, I’d notice it at the latest when the salary arrives in my account ;-). Since I’m not really into titles, I wrote commercial employee because that’s what I basically am (department head with a business degree...)
Sorry, but that’s not how we think. "Design floors" probably mean just as little to me as the terms do to you. And I calculate very precisely, even the decimal place is important to me... Regardless of the salary or what we’ve saved. BTW I think if we had prioritized design floors and the like, this amount wouldn’t have come about... But everyone can do as they please here...
I see it exactly that way.
I don’t worry about “whether” the bank will provide the financing but only about under which terms. At the first meeting with the advisor it was said immediately that there will be no problems with the framework conditions at all. Nevertheless, I don’t want to throw more money out the window for interest than absolutely necessary. I get nothing from that, after all. I’d rather buy something nice with the money saved.
Regarding your suggestions of a shorter term and higher rate. We don’t really want that because I’m very concerned about security. We’re having our first child now and at least one more is planned relatively soon. Therefore, my salary will initially be gone and long-term won’t be available at that level anymore. That’s why the financing should be such that it can run smoothly with only one salary. We would rather reduce it via special repayments if possible.
So:
I don’t want to be presumptuous, but are you sure about gross and net? Commercial employee with 35 and 4000 net …
Yes, I’m sure! Even if I couldn’t tell gross and net apart, I’d notice it at the latest when the salary arrives in my account ;-). Since I’m not really into titles, I wrote commercial employee because that’s what I basically am (department head with a business degree...)
And if you still ask about terms at 130,000, this thought is inevitable.
I couldn’t care less about those at those salaries... I wouldn’t even calculate, wouldn’t bother with EL nor go for 20 years, but would rather deal with “design floors” ;)
Sorry, but that’s not how we think. "Design floors" probably mean just as little to me as the terms do to you. And I calculate very precisely, even the decimal place is important to me... Regardless of the salary or what we’ve saved. BTW I think if we had prioritized design floors and the like, this amount wouldn’t have come about... But everyone can do as they please here...
Why do people with “less” money constantly believe that just because someone earns more, they have to suspend economic behavior? Because they live in abundance or what?
Ever thought that economic behavior first ensured income in higher orders of magnitude?
Or as grandpa used to say: Having money comes from keeping money.
I see it exactly that way.
Who has less money? Me, still I can easily finance 130,000 with my small salary. I don’t have to worry about that, nor do I have to ask the bank first. And that’s because I can handle money and appreciate it.
So: I calculate completely different things.
I don’t worry about “whether” the bank will provide the financing but only about under which terms. At the first meeting with the advisor it was said immediately that there will be no problems with the framework conditions at all. Nevertheless, I don’t want to throw more money out the window for interest than absolutely necessary. I get nothing from that, after all. I’d rather buy something nice with the money saved.
Regarding your suggestions of a shorter term and higher rate. We don’t really want that because I’m very concerned about security. We’re having our first child now and at least one more is planned relatively soon. Therefore, my salary will initially be gone and long-term won’t be available at that level anymore. That’s why the financing should be such that it can run smoothly with only one salary. We would rather reduce it via special repayments if possible.