Construction financing during a job change

I have a question about home financing when changing jobs. We currently rent and pay 1300 euros excluding utilities. We would actually prefer to put this into home financing. I earn 4400 euros plus 380 euros child benefit for 2 children. My wife currently earns nothing. I am thinking of a house that costs about 400,000 euros. Financing should not actually be a problem, but I am not sure if I will stay with my employer for 20 years and if I might have to sell the house due to relocation in case of a job change. Can one speculate on a reasonable sales price here that can then be reinvested and what happens to the current loan? Or does renting an apartment make more sense in the end, as it is much more flexible?

Hello heinbollo,
Your question shows that you do not have much experience with real estate yet.
For a financing of €400,000 you have to expect a monthly burden of about €2,000. In addition, there are maintenance costs for the house and property taxes.
It sounds to me as if you want to build a house and not buy one.
In such a case, the sales proceeds you then receive are not always as high as the construction price, especially if you have everything or almost everything done by craftsmen. This is of course because you might install some things in your house that, in your opinion, have to be exactly like that because it fits your life situation perfectly or exactly matches your style. A buyer will almost always see it differently.
In addition, there is an early repayment penalty in case of premature termination of the loan. Banks naturally add a considerable amount to the remaining loan if you repay it early, as they then lose the remaining interest.
I hope I could help you a little with this answer.