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

What will happen to your house? You will either sell it at a loss (because you bought the house at the currently inflated prices) or you won’t be able to get rid of it and will be stuck with a huge loan. But the worst part is not the loan. You are jointly and severally liable, meaning if one has no desire or no money (due to disability insurance, illness, new girlfriend/boyfriend), the other has to pay everything.

But everyone has this problem. Otherwise, you should never acquire property or take out a loan. I see the young age here, albeit with mature thoughts, but as I said in another post: people at that age are still very "flexible," whether they want it or not.

So I think there is a lot of exaggeration here.

Personally, at 19, just hearing the word "forever" in connection with a relationship would have caused me massive shortness of breath and tendencies to flee. I didn’t even have my high school diploma at that point... And otherwise, I have always been and still am someone who takes rather too much time than too little with long-term decisions and thinks everything through very carefully. For me, at 19, such a decision with such far-reaching consequences would never ever have been an option. Alone because at that time I didn’t even remotely know where my (life) journey was going. And many people might feel the same; maybe not as extreme as I experienced it (I personally didn’t want or couldn’t settle down privately or housing-wise until the beginning of my 40s), but the idea of having practically planned your entire life until the end at 19 might scare many. Me too. For me.

But I also definitely know cases where a couple found each other very early and already set the course for their future together very early. And not all of those failed. I would say: just as many as couples who made and lived those decisions later. It can work, but also not. The divorce rate in Germany averages around 53%.
Advantages of the "early" couples: by their early 40s, most of them are done with everything; kids are past the worst stages, the house is mostly or fully paid off, and they are professionally well established. That has its charm too!

As I said, the idea of committing so firmly in all areas already at 19 is a nightmare scenario for me personally, really scary. But if it’s okay for you, then go for it!

You still have a lot of time ahead of you; I would definitely choose the longest possible financing and keep the monthly installments as low as possible. Have the option of changing the repayment calculated in; that can also compensate for times of raising children.

Whether it’s the house now, I can’t judge that, but if you’re sure, then get married, buy the house and build and pay it off comfortably over a longer period. That is the advantage of your youth: you have time.

Divorces also happen to couples who are older. I would say: you grow and develop together when you’re young. Older couples don’t have that chance.
It certainly makes sense to already consider now what happens if we separate. (Prenuptial agreement, will). But that’s advice for everyone in the situation, not age-dependent.

Your advantage, BECAUSE you are young: it doesn’t have to be this house. You still have time to look. Reflect again whether you really want permanence, or if you want to save up some equity and maybe buy/build a house in a few years with better starting conditions.

I wouldn’t rush; but if it’s your dream house, then take it.

Yes, but that's exactly what I mean. Of course, everyone has that problem, but do you have to ruin everything at that age? I know many people, including myself, who only met their "final" partner later. At that age, with that much income, you should definitely save and then build in 5-7 years. There are so many things that you don't have on your radar due to lack of life experience...

Please no more topics about age! At her tender age, she knows exactly what she wants

About us: we both earn 2,000 euros, the year after next it will be 2,300 euros each. Bigger increases won't come after that.

For your age, you have a very good income

It was built in 1980, but has been renovated/refurbished by the current owners. The official sale price is €349,000, but we hope to push it down to €320,000.
We have calculated everything so far and also included costs like chimney sweep and building insurance. According to our calculation, we should be able to afford it.
We want to pay back about €1,200 monthly, probably spread over 30 years.
Equity is just under €30,000.

However, in my opinion, that is too little for such financing!

What are your experiences with buying a house, how high are your loans, how much do you pay back?

We have about €1,200 net more, had €85,000 equity and bought a semi-detached house built in 2006 for €235,000 three years ago. The house was like NEW!

Just as an example: after 1 year some parts of the heating boiler were broken, immediately shelled out €1,300 for that!

I'm not focusing on your age, I also know couples for whom it went like that.

However, with this income and equity, I would not finance such an amount. Either more equity, a cheaper house or initially a condominium would be my motto.

And as a tip from my own experience! No matter how sure you are with your partner and he with you, definitely clarify beforehand how things should run in case of a separation! If it doesn't happen, great! But if it does, you save yourselves a lot of trouble! I was exactly your age when I had to go through this experience after 9 years of relationship!

Oh right, I wanted to answer that. There are four of us, we have just under €3350 in total, and we pay €1052 to the bank. That is really tight and was only planned that way because it was clear that I would be working again soon (I just finished my master's degree). So we have less money than you, but we also financed significantly less (€239,000). In the long run, it wouldn't have worked out for us. With 2 incomes (1 full-time and 1 part-time), it's no big problem anymore, but there still aren't any big leaps; but we don't need that either. Only when I eventually work full-time will we be in a good position.