Affording a house? Not from the bank's perspective but realistically

Hello,
that is quite a detailed statement. I like it - even if it’s painted in black.

OK additional info:

If I were to buy a house, then up to €180,000. Here in the north, that gets you about 140 sqm with 800 sqm of land and a build year around 1980-1990.

If I were to build, then only on an already existing building plot (no need to buy anymore and would thus be free - family property) - a loan of €200,000 for a house is, I think, realistic - right?

The gasoline costs are now - my wife and I drive to work daily!
At the moment we pay €750 warm rent - all in.

€180 daycare is only for half a day daycare - because of [the 50% of my wife]. The price is actually current since our nephew is currently attending the daycare.

I also didn’t calculate with €180 for the child, but rather with €230 + €180 daycare.

Unfortunately, we need the two cars; we both work in such different places that it doesn’t work without them. Public transportation is not available here. - Village, after all.

The €100 is planned prophylactically. At the moment both cars are paid off. The idea was that you can quite finance a car for €5000-6000 with €100.

Yes - many numbers and thoughts

Regarding your planned construction prices: Compared to all the other total construction costs, we build cheaply. We are currently planning a Kfw 70 solid house 125m² without a basement in the east of the republic, initially without a garage, including additional construction costs at 210-220 T€ excl. [Grundstück]. The wishes are big, the budget comparatively small.

Hello, If I were to build, then only on an already existing building plot (does not need to be purchased and would thus be free - family property) - a loan of 200,000 for a house is, I think, realistic - right?

Just a note on this: 200,000 euros for the house can be enough - if you don't have high demands!! That worked for us too. BUT!!! There are additional construction incidental costs of around 35,000 euros. You can hardly avoid that. A building expert has written about this several times and has precisely broken down the amount. Just search for it. I would say, with an existing property you are better off! Best regards, Goldbeere