Construction financing semi-detached house 130m2 healthy?

Good morning, the positive thing is that you already have a family and are "settled in life." You must be aware that you are exchanging a warm rent of 1080 for a burden of 2100 (installment & additional costs). This would mean that you will no longer be able to save. Also, the 2% repayment is very low; after 10 / 15 years, there will be high residual debts.

How binding is the purchase price/construction price (?)

If the price is fixed, it can be done, but everything will be very tight in the future.

Good morning, It could get tight if more children come and there is only parental allowance for 1 year and depending on how the woman goes back to work afterwards. Furthermore, in your list you have phone and internet twice with different prices. Regards Schneckham

What equity ratio do you have for the loan? We have an offer of €535k loan and 20% equity at 1.1% for 15 years. Maybe you can get something in the range of 0.x% for yourselves. Every 0.1% makes a five-figure amount over 15 years.

Have you considered the real estate transfer tax? That hits hard too :)
The only thing that stands out to me is the savings rate. Am I reading correctly that you only save €650 with that salary? We have "only" €1,000 more and save €2,500 - 2,750 monthly. You have internet and 2x mobile phone listed. That would be about €300 in total. A bit much :)

: You are a controller after all.

No company car. The car costs over €700 per month. And that won't really decrease even after the financing is paid off.

With an income of €5200 and a loan >€500,000, saving is no longer an option, especially when I currently see €50 for insurance.

Hello, the price is fixed. We are also aware that it will be tight at the beginning. But from 2026 there will be at least €400 more and from 2030 €800 more salary.