Buying a house - too expensive or can we afford it?

Ok, it didn't take over exactly as I imagined.
Whatever, the answer is above in the quoted field.

Well, the whole thing is already somewhat absurd when you realize at 19 that you no longer want to change in any way. Neither professionally nor in terms of partnership, and now also regarding the place of residence. Everyone asks, how boring is that? But ok.

What worries me more is the location in the industrial area. How bad is it there with the chemical park and scrap trade? What about noise and dirt?

I am not sure if you are valuing the house anywhere near correctly. Was a building surveyor involved? I would have serious concerns about the matter and would advise against it as long as I don’t see a lovely garden with birdsong and the positive opinion of a professional.

Well, there is a difference between marrying just for that reason or simply having planned to marry anyway and then bringing it forward in time (especially if you want to marry in a close circle anyway).

I would definitely recommend calculating everything exactly again, including what the reclassification and the surcharge ultimately amount to (there are appropriate online calculators for this).

Well, the whole thing is already somewhat absurd when at 19 you realize that you no longer want to change in any way. Neither professionally nor in terms of partnership and now also regarding the place of residence. Everyone wonders, how boring is that? But okay.

What worries me more is the location in the industrial area. How bad is it there with the chemical park and scrap trade? What about noise and dirt?

I'm not sure if you have roughly assessed the house correctly. Has a building expert been involved? I would have serious concerns about the matter and would advise against it unless I am presented with a lovely garden with birdsong and a positive judgment from a professional.

Professionally, I still have the possibility. We are a large administration with different areas of work.
I am sure about the partnership.
And regarding the place of residence, we like the areas where we work. At other locations, the jobs would be different. Besides, we don’t want to live in the countryside, and a larger city would be even less affordable.

It is not in the real industrial area. It is a residential estate that borders a few companies.

An expert has not been involved yet, but before making a final purchase decision, we will include one.

Factually, your future income is not €2300 net. You have to deduct the 50% private health insurance from that. I strongly assume that you are also insured in the company with the blue logo based near Koblenz. You are probably not yet aware of this and it was sold to you differently, but you should be prepared for some premium adjustments. I don’t want to speak ill of any company here; I also have my private health insurance there. A German civil servants’ health insurance fund will not avoid increases of 5–10% every few years either. But you can’t know that at your age. I’m often opposed to these worst-case scenarios in this forum, but here I fully agree with everyone. At 19, you are tying such a burden to your leg without awareness of the accompanying consequences. Now, you are certainly happy, and you might remain so your whole life, but!!! Feelings change, and people do too. Let’s assume you separate in 7 years and not on good terms. What happens to your house? You will either sell it at a loss (because you bought the house at current inflated prices) or you won’t get rid of it and have a hefty loan on your neck. But the worst part is not the loan. You are jointly liable, meaning if one doesn’t want to pay or has no money (due to disability insurance, illness, a new boyfriend/girlfriend), the other has to pay everything. If neither of you pays, there will be an unpleasant legal process. And no, you won’t have only 50% debt and pay your portion regularly, you are obliged to cover the other’s part. €1400 (loan + the bare minimum ancillary costs for the house) gets really tight with €2000 net (€2300 minus private health insurance). Best regards

Much has already been said.

I think you have a pretty good income, but also a lot to finance. As you describe it, it doesn’t stop at the house price. Roof, (facade/insulation?), heating... all of that will come soon, plus ancillary purchase costs. So you either have to borrow more right away or borrow more later. You won’t be able to save that amount in time, especially not with the high repayments that are already running. Topic children: Honestly, I see this as a critical point here. A lot of salary goes there and costs rise enormously depending on the region. And then it becomes shaky to precarious. The current equity is eaten up right after the house purchase. I would advise against it at the moment because you are still very young. Save more, wait for children, possibly plan a wedding (which will probably also be quite expensive)... just let a few more years pass first. My husband and I are now 29 and 31, and in 2017 we bought our small existing house with 2 children. We got married at 23 and 25, children came 1 and 3 years later. So everything was rather young and early by today’s standards. Earlier wouldn’t have been good. You really shouldn’t tie yourself down too much too early; but of course you have to decide that yourselves. Personally, I see the critical point more in the amount of financing combined with children. That’s why I don’t think 10 years is a good idea either, because with these sums and risks you definitely need planning security and don’t want to suddenly find yourself in 10 years with 2-3 children and 6-8% interest rates and then have to sell the house you just managed to completely renovate.

Get advice from 1-2 banks. I can really only recommend that. Then you will also see how they assess your situation and what they have to say. And what has been said here, I would definitely take seriously. No one is begrudging you the homeownership. Rather, many here are simply speaking from life experience.