130 sqm detached house or townhouse with my budget of 220k

This is my income. It will increase to 2900 in 6 years. My wife currently earns 1400. However, I never know how long her full salary will last, as we also want to have a child. So far, we are a childless couple. We have no liabilities. Equity is 20000

Can't some of it be done yourself to reduce costs?

If you start firing the bricks yourself and weaving the insulation yourself, maybe ;)

So, one question won't leave my mind. I earn 2400 and the bank says I could raise 800,- for the house. Somehow my promised loan seems very low to me.

We don't know what the banker knows. Maybe you have too many liabilities or too many mouths to feed. There is a difference whether a childless couple wants to build or a family with 3 kids and dad still has to pay alimony ;). And if you say: I earn... a second income might be missing for security?!

This is my income. It will rise to 2900 in 6 years. My wife currently earns 1400,-. However, I never know how long her full salary will last. Equity is 20000

In this case:

a) No salary increase counts. Purely fictitious; not relevant for financing
b) Wife's salary does not count before having children, because then it disappears and the child costs extra money.

Around 240,000 for a nice condominium for a young family: That is affordable, foreseeable, manageable and truly – great, and all for the price of rent for an apartment with 3 people. If saving works out, then maybe in 10 years with the second step (condo) then with the house? Or first keep renting, save, then townhouse/condo/semi-detached house.

Thorsten

This is my income. It will increase to 2900 in 6 years. My wife currently earns 1400. However, I never know how long her full salary will last. Equity is 20000

20000 equity = 0 equity... no, it's even negative equity :) In the end, you need more than 100% of the loan amount for the credit

What happens in 6 years.. doesn't matter at all. The wife earns 1400.. that sounds better. But what do you mean you don't know how long? Because of children?

I have corrected my details once again....

I have corrected my details again....

You should adjust your plans (wrong: the correct term would be to recalibrate), that would be better.

In this forum, no one is interested in seeing young forum participants on television in "We have a building ruin" on Sunday afternoon at 5 pm.