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Anyone who overestimates their financial limit for interest and repayment jeopardizes the entire financing. The monthly installments should not exceed one third of the income. After all, everyday life goes on for real estate owners too. Unforeseen expenses, such as a major car repair, must remain affordable without any problems. Reserves of three to six months’ salary are recommended for this.
Source: Bausparkasse Schwäbisch-Hall, own research
Stand: 2022