Assessment of financing scope with 4620 euros net

.. Better to finance only the land first and save up additional equity ..

This will probably not work with municipal land because, as far as I know, there is a building obligation within 3 years.

I can only repeat, some expenses are missing ... and then the question, over what period did the €20k accumulate? Just asking due to current living and saving circumstances. How is parental leave planned with the new child? And how is work supposed to continue after parental leave?

The period for the equity was 2 years, so yes, my calculation with the expenses does not seem to fit entirely :rolleyes: Parental leave for her is 1.5 years, for him one month. Afterwards, 100% work is planned again.

Regarding the equity and the land prices, I don't see you building. Why?

See posting by

Although I disagree regarding the repayment. At your age, I would also go with 2% repayment and an interest fixation period of rather 25-30 years. Then at the end, a residual debt remains that can be neglected. I am not an advocate of "having no liquidity during your lifetime so that the house is paid off by retirement."

Would an existing property be the "better" choice given the salary? Or what would be realistic in terms of price here? Or rent instead?

Building a house is three sizes too big.

Would an existing property be the "better" option with that salary

If there are any that fit your "budget."
Where are we at home?

Building a house is three sizes too big.

If there are any that fit your "budget".
Where are we at home?

Hmm, 74072 Heilbronn and surroundings