Building / buying a house under the circumstances possible?

Since this is a private sale, no broker fees apply. The notary is a friend of ours. This way we save significantly on ancillary purchase costs.

I find your considerations and views understandable and evaluate the initial situation as a healthy foundation for that; on top of that, I give you the tip to ask exactly those friends who manage to do it how they do it.

The survey is already partially completed. Our friends with property, whether new or used, have all inherited it – either money or the land including the building. Rich or even just high earners, with one exception, are no one; on the contrary, in one case the house urgently needs renovation or else it must be sold, but the person cannot or does not want to part with their parental home (this is also one of the people who thinks we should be able to manage something like this easily). The people for whom we have no answer to the question "how do they manage that?" are more likely to be found in the working environment. Where sometimes only the man earns and has barely found a bank that finances him for 10 years, and now already says that vacation is off the table for the next few years. Or the neighbors of friends who built (with inherited money) and do not maintain their outdoor facilities because there is no money left. Cases like these. Whether/how they manage will probably be seen in about 7-8 years when the initial 10-year financing expires.

well at least you know where your equity has drained away. Basically consumption and eating spree.

A car is consumption too.

In your place, I would question what happens with a child. What costs do we have, what do we earn.

At the end of the day, you have a full financing, a house in need of renovation, a small child and no more money for consumption or vacations.

Do you want that?