Ldear tenants! Home prices have fallen, but lending rates have risen. This is an explosive mixture, and I would like to add fuel to the fire to make you aware of what the hour has come. With that in mind, I’d like to start with the old question of whether owning or renting is cheaper. And then I want to talk to you about what investors should do if they don’t have the opportunity to rent a home because the market is empty. Affected? Interested? Curious? Grab your pencil, paper and calculator, make yourself comfortable and let’s get started.
Today’s protagonists are a 37-year-old engineer, a 35-year-old teacher, a seven-year-old boy and a five-year-old girl. The parents have 280,000 euros on the high edge. Please don’t ask how this is possible. It’s not my fault that there are people who live frugally and build large reserves. Likewise, I am not responsible for the injustice that there are heirs and non-heirs. It is what it is and not much will change in the future. This also applies to the income of the two academics. They earn 131,000 euros gross per year. After deducting social security contributions and taxes, this leaves around 7,300 euros per month. In addition, there is child benefit of twice 250 euros, so that the family has 7,800 euros a month at their disposal.