Young people and house construction!

You have forgotten the small business regulation or margin scheme for used assets regarding VAT and the trade tax allowance of 24.5K€ etc. The income tax rate probably shouldn't be too high yet either. That way, it won't work with a half deduction.

You forgot the small business regulation or margin scheme for used assets regarding VAT and the trade tax allowance of €24,500, etc. Also, the income tax rate is probably not too high yet. So, a half deduction won't work.

Agreed. You are the expert. I just always see: I have to pay pay pay pay..

Please think before writing about to what extent you share personal information in the forum. Not every curious and personal question has to be answered. The current salary is sufficient to answer your questions. Period!

If you want to know exactly, it is a savings book. Birthday money, everything was invested, even his confirmation money, the training salary that was left over when he still lived with his parents, the 2 cars, and as described above, only part was earned by himself. The rest is inheritance from his great-grandmother. But he saves and saves and saves. I bring in a small amount of equity which I actually received from my grandparents back then. But you are basically right. Nothing is set yet with us. We are still very young after all, it would have been an option but as I see there are more hidden costs. It's clear otherwise everyone would be building today.

Thank you! You are right. I will not reveal any more personal things now, I just wanted to make it clear that the equity was not given as a gift yesterday and spent recklessly today. We will definitely take our time.

commendable to save that much. whether it would be worth it for me to finance 400-500k with such an income and only save... hmm no

we always wanted to still live while financing our build. but everyone has to decide for themselves