Building financing 400,000€ feasible?

~650€ warm.

Since we have no debts whatsoever and both cars (<1 year old) are fully paid off, the costs for repairs, inspections, service (which is not an insignificant factor) are also eliminated... this will not change in the future either; currently, there could even be a few more euros saved.

For the rent, only the cold rent is always considered for a possible financing. The new/used property will also cause additional costs, which are probably even higher than the current ones.

I don’t quite understand the sentence about the cars. If you finance over 20 years, the cars will also get older. Therefore, you should definitely plan for costs for repairs, inspections, service, etc. as well as a reserve for future acquisitions.

I don't quite understand the sentence about the cars. If you finance for over 20 years, the cars will also get older. Therefore, you should definitely plan for costs for repairs, inspections, service, etc., as well as a reserve for future purchases.

Yes, that was a bit unclear. We buy new vehicles every year, so the other things are not applicable. Since we acquire the vehicles quite cheaply, we don't make any significant loss on the sale.

But I still believe that the idea of 400,000€ from us should not be pursued further. You have to see what compromises can be made...

Or simply save for a few more years and not force yourself to buy a property just because interest rates are currently low.

Properties will become cheaper again.

Or just save for a few more years and not rush to buy a property at all costs, just because interest rates are low right now.

It's not really about the interest rates. We want to have a little house before the baby comes. With a child, such a project becomes significantly more stressful.

Everything works I am from the delivery room to the construction site

It's not really about the interest rates. We want to have a little house before the baby comes. With a child, such a project becomes significantly more stressful.

Certainly, but you should create an approximate timeline and income/surplus calculation. If that works for you, it's OK! Because if the financing fails at this stage of life, it will be the fault of the evil bank advisor and the bank! One should always remember they check the current situation and are not life advisors!