Buy house/property, financing possible? Interest rates?

1. The amount of financing should not be greater than one third of the net income.
2. Prove before (!) a contract that you can manage with the money you have available after (!) the contract.

One third of the net income is already a bit too much in my opinion. Because there are still electricity, gas, internet, etc. All of that together should make up a maximum of 1/3. At least that's how it is for us.

Of course, it is good to respond to a 6-month-old post. But even back then, we found that such flat rates always have to be considered individually and can be deviated from upwards or downwards. Moreover, there are different assumptions regarding load determination.