Assessment of financing scope with 4620 euros net

You have two cars and only 80€ fuel costs?

I believe that if you calculate a bit better yourself or break it down more precisely, then you will know the answer to your question yourself.

You can also simply go to a financial advisor and have them calculate it for you.

In any case, the interest rate will be quite expensive in this constellation.

The period for the equity was 2 years, so yes, my calculation with the expenses doesn't seem to quite fit :rolleyes: Parental leave for her 1.5 years, for him one month. After that, 100% is supposed to be worked again.

Regardless of the financing: Why don't you take 2 months, which can also be 2 * 1 month. That would give you two additional months of parental allowance. So it could be worth it (apart from the great time with the little one!)

Sure, no problem, the smallest one is 340m2. We actually also planned to do a lot ourselves as personal contribution.

Can you build the house yourself? Like completely? Then I would build two semi-detached houses and rent out the other half. Otherwise, it’s a huge burden for - feels like for life.

You have two cars and only 80€ fuel costs?

That's about right, yes, workplace A is 13km away and workplace B 1.4km. There are of course repair costs as well, I just don't know how to factor them in. I wanted to go to the consultation appointment only after the assessment here in the forum, otherwise they'll laugh at me.

Hello,

unfortunately the project is 2 sizes too big for you (not 1 but 2).

You have a good income in a very high-priced region. I do not see a new build including land for 600k there by far. You will have to reach into a higher shelf (750k upwards).

I see you with an existing property at a low price or a condominium.

That's about right, yes, workplace A is 13km away and workplace B 1.4km. Of course, there are also repair costs, I just don't know how to factor them in. I wanted to go to the consultation appointment only after the assessment here in the forum, otherwise they'll laugh at me.

Please first make some considerations about your expenses side.
That means recording all expenses from the last 2 years and averaging them monthly.
Just the repair and maintenance of the car can easily (!) amount to 100€.
Create an Excel sheet. Get all bank statements.
Record every item. Even the sandwich at the bakery or the coffee to go. Check all insurances to optimize the expense side.
And then feel free to report back here in two weeks with realistic data.
Personally, I don't see it with you either. But there are ways to change that. As mentioned, you can optimize the expense side but also improve the income side. How much potential there is, I can hardly assess.