Zinspoker - Long term or short term?

2022-08-29 10:55:58

Aha, 13 salaries plus Christmas and vacation bonuses? I see. The 13th salary is also taxed differently, so less remains net.

2022-08-29 10:58:18

Aha, 13 salaries plus Christmas and vacation pay? I see.
The 13th salary is also taxed differently, so less remains net.

No, unfortunately that is not true. We are cross-border commuters, we are not taxed under German law, and the public sector in Luxembourg is anyway a special case, especially regarding taxes (personal tax rate e.g. 11 percent) and special payments. That is why we also prefer south of Bitburg.

2022-08-29 11:02:08

As I said, we have a six-figure annual net household income, which will develop towards €150,000 net in the medium term. That doesn’t play a big role for us when buying. €800 heating costs do not scare me. Outside of the house-building forum bubble, where it feels like every second person is self-sufficient, everyone will be paying these amounts anyway this winter. And since we’re only moving in April ’23, we might not even be affected by it, so why panic?

And in all these calculations, what the construction of a large, energy-autonomous, detached single-family house cost on 08/29/2022 is overlooked. With little renovation effort, I am 25-30% below that. Apart from the fact that I can only move in in about 2 years and until then make my landlord richer. Oh, and the fact that it’s an ecological complete disaster that new houses are constantly and everywhere being built is another matter.

The comment was not directed at you =) Personally, with that income, I wouldn’t worry much about the purchase price and would just go for it. But keep in mind that salaries are not a one-way street and there can be problems, setbacks, or cuts here as well. And once again my advice: the more energy a property requires, the harder it will be to sell it again in the future.

2022-08-29 11:58:08

Aha, 13 salaries plus Christmas and vacation bonuses? I see. The 13th salary is also taxed differently, so less remains net.

I don't understand. Basically, you pay monthly installments to the tax office, while the final taxation is only determined with the tax return. Only the annual sums count then, right?

2022-08-29 12:26:58

But it is stated there???

7400 euros net, 13 monthly salaries.
96,200 €
+ special payments (as well as vacation and Christmas bonuses)
approx. 105 - 110k

From 2023/24
8500-9000 net, 13 monthly salaries
approx. 110,000 €
+ special payments
approx. 120,000 €

Salary progression every 2 years 10x400 € increases
approx. 150,000 €

And as I already wrote, we got the bid for the house at 530,000

But the prospective NHE thing is all theory. First you have children, then the calculation will certainly look different (+ significantly higher expenses). Personally, I would never consistently count on 2 full-time salaries with such assessments. That is unrealistic.

But that is not decisive for you, there should still be enough money available.

2022-08-29 12:47:33

Would also prefer to calculate with 1.5 salaries, just as a tip, even if it's easily doable ;-) Or do you not want children? Then you can calculate like that

Zinspoker - Long term or short term?

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