A possible rejection will of course not be expressed without justification – there are enough argumentative screws here. A more “elegant” option, for example, would be an “underground” offer of conditions that no one would want to take out.
However, the framework conditions are no longer set by the banks themselves, but by the well-known “external risk manager”.
──────
HAR80 wrote: It’s not that common for someone to spend over 50% of their not-so-high salary on rent. So the €911 as rent for this income is unfortunately not unreasonable and common,
───────────────
absolutely right – and the trend is increasing. If you have the advantage of living in a rental apartment that is subject to the full application of the MRG, then the rent in Vienna, for example, is EUR 6.67/m² – with a little surcharge (location surcharge, etc.) you get to, say, EUR 9 /m² + operating costs + heating/electricity/water let’s say EUR 11. For 911/month this works out to 80m².
When the rent is freely agreed, things are of course completely different.
In Vienna you certainly can’t get by with 2 euros per m2 for operating costs + energy; 4 euros is more of the order of magnitude. However, this is also paid by the buyer, who also has to pay the maintenance reserve of at least 90 cents/m2 (over the thumb +5/m2 in addition to the loan rate). The correct comparison would be the gross rent reserve.
Given the income, 80m2 in Vienna are not worth renting, but even less worth owning.
