Construction financing on a solid foundation?

In 3-4 Jahren we will most likely have over 5000 net

What exactly does one have to do to be able to plan like that? Is that contractually fixed (net!)?

I would plan the financing so that it is surely paid off by retirement with today's income (if earlier, good, do it!). Salary increases or inflation can help then, but should not be strictly necessary.

You don't need to answer the questions to us, but to yourself. Accordingly, no one can say whether it is too risky or not.

A)
Correct. Of course, it depends on your own lifestyle. How much can you currently save regularly? How high are your expenses – besides fixed costs also various variable costs. Number of children, etc. no question.

Personally, I find €310,000 to be quite a hefty figure with a sustainable income of €3,800 at the moment, but that is just my personal opinion and doesn’t mean you couldn’t manage it.

B)
But why is there generally always a gulp and warnings in the forum when the regular net income is over €3,500? Tendingly, if you live frugally/not beyond your means, you should be able to easily handle realistic projects with such a net income, especially if rising income can be expected.

Even without special repayments, I consider such a household net income to be a good number. Viewed tendentially. Point A can of course reverse the whole thing again. But basically, this is not an unrealistic salary for building a house, as it is often portrayed here (but especially in other threads)?

With €3,500 and €1,400 warm rent, more than €2,000 net (!) remain to live on. One year after my apprenticeship I managed easily with €1,000 net including a warm rent of €475 plus electricity, even though my lifestyle was naturally more restricted then.

With a future net income of over €4,000 or €5,000 you really don’t have to calculate much. Whoever can’t manage that then can’t handle money! Period.

Warnings are given at a monthly net income of 3500, especially (in other threads) when there is no or little equity (without an obvious reason). That does not apply here.

But a high income and hardly any savings exactly point to what you yourself say: The money is spent as quickly as it is earned (expensive car, vacations, consumption, partying, alcohol, drugs, whatever....) ;-)

I'll dare to write something as well. I've been reading the forum for a while now and as I see it, you only consider the €1400 warm costs. I think you forget the reserves you should build up, not only for the special repayment but also for possible repairs and everything that will come up in 10/20 years. Additionally, people usually take out a few more insurances, which also affect the fixed costs. Otherwise, I'm also interested in whom you will build with. We want to build in the [Kreis Konstanz].