Can we afford / finance a house?

I believe a bank does not need to justify to whom it gives money and to whom it does not
If banks calculate and reckon according to a standard procedure, there will be a reason for that. Discussing it makes no sense.

Are generalizations always bad?

It's good if there is such a detailed list. At least it's better than if decisions were made solely based on likeability or fame. Honestly, I would even prefer a computer to make strict decisions based on facts (and that might even result in a lower cost of living allowance if the average of the last 5 years in the account transactions allows for that conclusion), rather than some banker disliking my nose, eyes, hair, or anything else. Or some random politician getting a million-dollar loan just because they know someone on the board or used to be on the board themselves.

, honestly, such tables are based on many years of experience and are also adjusted from time to time. Banks have to make sure they don’t take on too much default risk in their books. What happens if that is the case was especially evident during the financial crisis in the USA. I’m rather glad that conservative calculations are done here.

Here are a few alternative thought approaches:

The trainee teacher position starts in February 2021. This means the income will already increase somewhat. (how much, I haven’t read yet) Until then, one slowly begins with the property search and already deals with one’s own wishes and the topic of building a house. As some know, such a property search can sometimes take a few years.

When the right property is eventually found, one finances it with the minimum repayment with the option to increase the repayment rate once working as a teacher. For this, not all of the own capital is used, but e.g. 50,000€ is reserved for living expenses during the trainee period. In case the bank allowances are not sufficient.

Alternatively, one first buys only the property and then builds after the trainee period in X years. The prerequisite is that there is no building obligation for the property within the first years.

Absolutely right. I could kick myself today for not simply buying a plot of land in the area where I’m going to build now, 10 years ago. Then I would have either saved 200,000 EUR, which could now flow into the house or elsewhere, or had a significantly larger plot. Really bad. I recently talked to a future neighbor who built directly opposite exactly 10 years ago. He really didn’t pay even a fifth of my price per m². In the meantime, I would have had a nice garden plot.