100% financing / liquidity

I am already very satisfied if the 12,000 EUR remain constant. As an employee, they are relatively secure for me, but not as capable of increasing as when you are your own boss.

On the topic of loans/income ratio: It is always said that it should not exceed 30% of the income. For high earners, that is actually nonsense, right? When I still had 6,000 EUR net, I managed perfectly well with the money (including rent), so it should not be a problem in this case (again: luxury problem!) to put 50% of the income into financing/repayment.

By the way, I do not have a doctorate. "Dr" is an article (The Swabians here can hopefully confirm that).

I would prefer it as an employee.. preferably as a civil servant ;)

I would struggle with something completely different ... Jumping on the bandwagon of the growing real estate bubble. Personally, instead of a 900k loan, I would be much more concerned that one day you have a 900k loan, but the house is only worth 200-300k of it. Even if you might not be able to imagine that at the moment. But to rule out rural flight / urban flight / regional flight would be naive, and one should at least include it in their considerations.

I would have a hard time with something completely different ... Jumping on the bandwagon of the growing real estate bubble. Personally, instead of being worried about a 900k loan, I would be much more concerned that someday you have a 900k€ loan, but the house is only worth 200-300k€ of that. Even if you can't imagine that at the moment. But excluding rural exodus / urban exodus / regional exodus would be naive, and you should at least consider it in your thoughts.

At least we are building almost "near" the big city. Since it is an AAA location... I am relaxed about that.

I also don’t see that changing in the coming decade, and if it does, then rather for the better. But I have the very personal view that the plot of land shouldn’t cost more (or even close to as much) as the hut standing on it.

But that’s also a matter of attitude :)