Assessment of financial framework

The bonus is not included monthly at all.

Whether the statement is suitable for the bank or not is beside the point now. I merely compared all income against the expenses.

When determining the monthly installment, I would still leave out exactly this income. Regardless, your income is quite good. Only the equity is missing.

... that's exactly what I did Bonus is listed separately and does not appear monthly.

We currently live in the annex at my parents-in-law's, we don't really pay rent here, mostly just our utilities.

... that's exactly what I did Bonus is listed separately and does not appear monthly.

We are currently living in the annex at the in-laws, we actually don't pay any real rent here, just mainly our utilities.

Then you really lived well, didn't you? I strongly recommend going all-in on saving for a few years then

So-so, my salary has risen massively in the last 3 years, which now somewhat "dilutes" the overall picture. I had already briefly outlined the rest in the initial post.

Why should the child benefit not be included? As long as the children are young enough, that is, there are still clearly over 10 years of child benefit to be expected, I would also include it in the calculation. Our bank did too.

I think the income is excellent! (Well, we are talking about house construction in 2017 ...).

Rule of thumb for the annuity loan: monthly rate divided by 5% annuity times 12 equals the possible loan amount (back of the envelope).

Because many banks simply do not include it. It was not included for us either. Just as little as the annually fixed Christmas bonus payment.