Construction financing in a few years

Don't you watch the news about how things are going in the USA? Honestly, I wouldn't want to live there.

It was not about staying in the USA but about returning to a European, possibly German-speaking country.

Well, don’t you watch the news about how things are developing in the US? In case you haven’t noticed yet, a certain D. Trump is up for re-election there...

It was not about staying in the USA but about returning to a European, possibly German-speaking, country.

but it is also about staying in the USA. Namely, if DE should not be an alternative because it is too expensive.

What business is it of yours? And what does that matter?

Why so critical? The OP asked for an assessment. In my opinion, the information is too limited, if not even polished, to give a good assessment. He can calculate for himself that with the income one can pay off a loan for a house. So it’s more about finding out where specific pitfalls lie. I see these here given by the fact that the expenses are higher, or at least were, than is estimated.

So I currently do not want to live in China

What did you smoke? Social upheavals? Do you even know CH and AT? Aside from that, both countries depend on the German economic performance, Austria even more than CH.

Unfortunately, the economy is not everything. The environment around it should also be right, and in my opinion, it is going sharply downhill here.