Amount of the monthly installment

Hello everyone,
I (29) have been permanently employed in the public sector for 11 years and my boyfriend (29) is permanently employed at Diakonie; we want to build a house next year. The company etc. is all already decided.
We are wondering how much we can afford to repay monthly.
Our net income:
Me: 2100
Him: 2300
Equity: 10000 (so far we have lived lavishly, studied, hardly saved)
My parents transferred their house to me 15 years ago, the house is paid off and has a value of about 140000. The house will not be sold, my parents currently live in it.

We plan at least 1 child in the future, maybe 2 later.

What do you think, how high should our monthly rate max. be? We are currently considering setting it at 1300€.
Apart from that... what do you think is the max amount we should finance? We thought about max. 360000.
Please don’t suggest saving more... that’s not an option.
Thanks in advance for your experiences and advice

Best regards
Sessi

If children are planned, can you continue working and to what percentage?

What are your current expenses?

By when do you want to be debt-free?

Hello everyone,
Please do not suggest things like saving more....that is out of the question.

You won’t find many banks with 0 equity.
If you do, it looks something like this:
Interest fixed for 20 years, you have 2.4% interest
for 360k
that’s 1300/month
corresponds to 2% repayment
Remaining debt = 176k

What do you build with 360k?
140*2000 = 280k
+40k additional construction costs = 320k
Outside 20k = 340k
Buffer

Hope you already have a plot of land.

Regards

The question is: are the 370,000€ available to you with financing including the land, or does the land already belong to you?
If the land still has to be purchased, it will be tight to impossible.

The question is whether there is even a bank that will finance you. Also with regard to the desired offspring.

The parents' house can at most be burdened with a land charge and may then help to get better conditions, and otherwise only when the parents have died and the house is sold or rented out. But basing your financing on the death of the parents is not only morally questionable, the bank certainly won't do it.

Why is the option to continue building equity not a consideration for you?

I (29) have been permanently employed in the public service for 11 years

have studied

Uh?????

If children are planned, can you still work and at what percentage?

What expenses do you currently have?

By when do you want to be debt-free?

We want to be debt-free by retirement.
After parental leave, I could work 75% and then again full-time. My parents will then live just around the corner.
Currently, we only have rental expenses including heating, electricity, and garage of 950€. And then living costs like food, etc.
We are currently saving because we are getting married next year. We started saving in May and will reach an amount of 16,000 by next May if we continue saving loosely like this. But the money will probably be gone because of the wedding.