Can we afford a home?

Very clear: You can afford it and you will definitely get a loan:

A good piece of advice:

Really understand what this means for you and draw up a notarized contract since you are not married.

Then very clear: If you do the whole thing, start saving. Restaurant visits €100 --> that must be at most €10.
Clothing: €150??? Way too much...

If you want to realize your dream, you have to start saving properly. Turn every cent twice, avoid vacations as much as possible for the next 5 years.

Be aware that this installment will still be there if you have a child. Then you need equity on the side in case you need a new car or similar.

If you continue living like this, it definitely won’t work.

Clear as day: You can afford it and you will definitely get a loan:

A good piece of advice:

Really make sure you understand what this means for you and have a notary contract drawn up since you are not married.

Then clearly: if you go through with it, start saving. Restaurant visits €100 --> that should be at most €10.
Clothing: €150??? Way too much...

If you want to realize your dream, you have to start saving properly. Turn every cent twice, avoid vacations as much as possible for the next 5 years.

Be aware that this installment will still be there when you have a child. Then you need equity on the side in case you need a new car or something similar.

If you keep living like this, it definitely won't work.

What nonsense. Together, after deducting the installment and reserves, still comfortably have €2400 left. You can logically afford to eat out.

What happens if you break up. You have to know that and fix it contractually if you want to.
If you don't like the house, then just sell it again. Maybe you'll take a loss. So what?

By the way, I bought my first house at 24. It was a pretty good piggy bank. I ended up making a good profit in 7 years and knew what was important and what wasn’t when I bought the second house.

If you feel like it, then go for it.

What nonsense. Having easily 2400€ left over for two people after deducting installments and reserves. Of course you can eat out logically.

What happens in case of separation. You need to know that and fix it contractually if you want to. If the house doesn't suit you, then just sell it again. Maybe you make a loss. So what?

By the way, I bought my first house at 24. It was a pretty good piggy bank. I ended up making a good profit in 7 years and knew what was important and what wasn't for the second house.

If you feel like it, then go for it

And I thought I was the only one who considered the reactions here excessively exaggerated. They are acting as if the two want to build a new house for 500k and finance it at >100%. In the end, we are talking about an amount of 250k nowadays that is almost ridiculous; for that, in many places, you barely get a 500sqm plot.

But the two don't even have the money for the notary or a new kitchen or furniture or a new lamp on the ceiling or wallpaper. According to the incoming mail, there is nothing there.

But the two of them don't even have the money for the notary or a new kitchen or furniture or a new lamp on the ceiling or wallpaper. According to the original post, there's nothing there.

When did I ever say that we have no reserves whatsoever? We don't have equity in the sense of 20-30k, which is often expected here. We have savings of about 6k, which we have also planned for the notary costs.
It is really unpleasant that false facts are being presented here.

When did I mention that we have no reserves at all? We don’t have equity in the sense of 20-30k, which is often expected here. We have savings of about 6k, which we have also planned for the notary costs. It’s really unpleasant that false facts are being presented here.

I would advise you to go to a financial advisor and have them calculate it for you without involving a bank. In the end, what counts is whether the income and expenses mathematically allow for a minimum payment. And banks also take vacations into account. With today’s interest rates, you can easily agree on 20-30 years of fixed interest and lower the payment to the level of your current basic rent. But most people (myself included) eventually find that the total investment of the dream house quickly exceeds the original plan by 20-50%. I also once thought I could build a house for a 100k loan, since I was able to buy the land from savings. Then the incidental costs suddenly quickly amount to 30k and the house costs 40k more than the basic version. The 20-30% equity, like subsidies for heat pumps and child construction allowance for children, ultimately are just a buffer for unforeseen circumstances.