I am the sole earner since my girlfriend is still studying and would only be able to contribute financially after her studies (teaching degree)
When would she be finished?
But since we are planning to have a child in 3-5 years, her salary would probably be used primarily for savings and such expenses
A child means initially less income and higher expenses. Parental allowance is also limited. Usually, after the child is born, one cannot work 100% for a longer period.
I earn €2,250 net and also have a mini job on a €450 basis. So we could initially repay about €1,300 per month.
So, usually house construction in the classic case means that besides your job, you are heavily involved with the construction, the surroundings, or providing own labor.
How many working hours per week do you have in your main job + mini job?
The other thing is that €1,300 is only the rate to the bank. Additional costs still come on top. And then we are at €1,600. And usually, there are one or two surprises during construction or things you have to pay for that are not covered by the financing.
Even with the mini job, the house consumes you.
The bank has more or less already promised us the money.
Honestly? But the household calculation hasn’t been done in writing yet, right?