Building a single-family house with a basement - Is the financing calculation too risky?

Do I understand this correctly? You now spend 3k€ for living without rent? That means later an installment of 1.6k€ and 400€ additional costs will be added? I also find it hard to imagine that someone who used to live well suddenly becomes a saver just because of the single-family house. That is rather unusual.

Yes, including the insurances and savings contracts. We did not claim that we want to save, precisely because of this post... see above

From personal experience: choose the volume and the rate so that you do not have to restrict yourself. We did not want to have to restrict ourselves and therefore preferred to buy cheaply on the market. I will not give up my financial flexibility to finance a house. After all, I live now.

From my own experience: choose the volume and the rate so that you don't have to restrict yourselves. We didn't want to have to restrict ourselves and therefore preferred to buy cheaply from the existing stock. I am not going to give up my financial flexibility to finance a house. After all, I live now.

Yes, in our area it is unfortunately the case that older houses of this size already cost 600,000 euros, but then you have a house from the 80s, which we still have to renovate... with notary fees and property transfer tax + realtor, it then becomes even more expensive... if everything goes as planned, it will also go well...

I did not want to criticize you in your plans. You also have much greater financial freedom than we do. It was just meant as a "just a reminder." Some things or circumstances are not thought of immediately.

I didn’t want to criticize your plans. You also have much greater financial freedom than we do. It was just supposed to be a "reminder." Some things or circumstances are not thought of immediately.

I didn’t take it that way either, I exactly need different perspectives and tips. Thanks.

I personally am a "chicken" when it comes to large financings, but I can honestly tell you, if I had the conditions that you bring, I would do the thing that way!

I have already seen posts where someone has a net income of 4500 and wanted to finance 500k, with you there is already a very large equity share (land already owned, of 700k house costs 500k financed and a buffer of 150k is also still available).

So all I can say is, if not you, then who?!

I wish you all the best in your new home