Assessment of whether house construction and loan installment are realistic or not?

What about the costs for the outdoor facilities? Are they included in the 550 K€ or will they be built using the additional savings from the next 2-3 years? Garage/carport? Gravel everything first and tackle it later? That is also a discussion that should already be held with the architect now. Photovoltaics planned? ([Sind ja auch nochmal 30 T€, falls gewünscht])

We finalized a financing of 2k in February with a net income of 5.5k (because without equity) and that will work out. Currently, we are almost fully paying the interest alongside the current rent, and that is working quite well. With your income situation, I wouldn’t worry about it at all. You also have a good amount of equity.
With the financing, pay attention to the special repayment, but it is usually already included. Then you can initially keep a bit more buffer and annually put what is left into the loan.

Additionally, it should be mentioned that we are both 28 and, based on experience, good salary increases can be expected in the future. That will make everything even easier.
If inflation stays like it is now, then the regular inflation adjustments alone will easily be enough.

We closed a financing deal for 2k in February with 5.5k net income (because without equity) and that will work out. We are currently already almost fully paying the interest alongside the current rent and that is working quite well. With your income situation, I wouldn't worry at all. On top of that, you have a solid amount of equity. When financing, pay attention to the special repayment option, but that is usually already included. Then you can also temporarily keep a bit more buffer and pour the excess into the loan annually.

We financed 570k with 6.3k net income. A 2k monthly installment is no problem at all. We have also calculated everything for parental leave. Here, we will reduce the repayment sum of a loan component so that, temporarily, we are at a 1.5k monthly installment.

You really don't need to worry - you have a very, very solid setup.

Financed 570k with 6.3k net. 2k monthly installment is no problem at all. We have also already calculated everything for parental leave. Here we will minimize the repayment amount of a loan component, so that we temporarily have a monthly rate of 1.5k.

You really don't need to worry - you have a very very solid setup.

I think so too. We also calculated parental leave directly with our financing advisor. In the worst case, the parents will just have to cut back a bit for the 2-3 years, but that is completely fine. With our salaries, you already have everything you really need and even a bit more.

I think so too. We also calculated parental leave directly with our financing advisor. In the worst case, the parents just have to cut back a bit for the 2-3 years, but that is completely fine. With our salaries, you already have everything you really need and a bit more.

Yes, definitely... that's how we see it too. We also have savings for 2-3 years in areas like vacations or other "treats" such as dining out, clothes, and much more. I always find it important to have enough buffer / reserves to be able to draw on them if the monthly burden doesn’t quite work out 100% as expected. I would definitely advise the OP to always keep around 20-30k ready for "quick consumption," depending on whether there will be a future need for larger investments like a car or something similar. That also gives us enormous security.

With all due respect, but how can one be unsure about the key data?

However, I would be interested to know how much of the 6.3k are one-time payments that can quickly be canceled and how much is part-time income, because that will definitely disappear with 1-2 children and a big house.

For 180m², I would rather calculate a loan of 300,000; for 500,000 you won’t get a house of this size with everything included. Even if you know craftsmen, the material is expensive and it takes an incredible amount of time if you do everything only after work and on weekends. Not to mention the warranty if the buddy installs the underfloor heating and it then becomes leaky...