Would you make this financing?

  • Erstellt am 2016-05-21 12:41:46

Yaso2.0

2016-05-25 10:58:40
  • #1
You can really tell how much you wish for the house.

I think the whole situation would be a bit easier to consider if the children were already there. Especially with children, I would plan and set up the financing in such a way that it can be managed by one of the partners alone. The rest can be handled through special repayments. That’s how we did it. Both my husband and I can manage the installment on our own in case of emergency.

My best friend and her husband built a bungalow, total costs 425k., her husband is a civil servant, but she earns significantly more (AT). The full financing! was set up so that she would return to full work 6 months after the child’s birth (care was already arranged). Unfortunately, the birth did not go as planned, so an 8-week hospital stay completely threw the whole plan overboard. To exclude lasting damage to the baby, they have regular appointments with various doctors for the first 18 months. So she definitely cannot go back to work yet. They have now solved it by reducing the repayments to a minimum, so her husband can cover the installment on his own.

Nothing has to happen, but it can. Therefore, a truly well-intentioned piece of advice: at least plan so that one of you can manage the house alone!
 

Sebastian79

2016-05-25 11:26:57
  • #2


Well-intentioned advice, but it misses the reality of most home builders...
 

HilfeHilfe

2016-05-25 12:25:31
  • #3



yes, although one has to point out this bottleneck in this constellation. The man can't handle it alone in the worst case
 

Sebastian79

2016-05-25 12:26:29
  • #4
They are just life risks - it's the same with us. Still sleep well
 

Yaso2.0

2016-05-25 12:52:22
  • #5


Personally, I wouldn't tackle the house-building project of that size, with the earnings and the involvement of both salaries.

But you're right, it's well-intentioned advice that one can take on or not!
 

Yaso2.0

2016-05-25 12:54:04
  • #6


Life risks, the impact of which can be cushioned by planning with, for example, one salary instead of both.

Good that you sleep well. I probably wouldn’t get a wink of sleep. But people are just that different.
 

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