Construction financing - what can we afford?

I am really blown away by the project with the framework data. Brave.

We are married (41, 33), have 1 infant, wife stays at home. Net income is significantly higher per month than the original poster, a large company car included. And yet we only dared to take out a loan of 363,000 EUR with a lot of hesitation, which will be paid off in 15 years.

Sure, I don’t have to turn every euro 10 times now. But I do a detailed analysis every month and despite the high income, we try to find savings potential.

I always feel totally square when I read other people's scenarios...

that's not called narrow-mindedness, but down-to-earthness!

Our little one is totally cute. But already burning money like a grown-up. Combined with the loss of income for the wife, the scenario is really different than before (although we see the parental allowance as a fantastic gift!).

We are now really in a good position, but we had massive respect for high, lifelong installments.

Having debt is a high emotional burden, you have to be aware of that. If I get sick or lose my job, we'll move back into the rental apartment. That's also okay, you just have to keep it in mind!