Construction of a terraced house

So again: You now have a net income of 2500€ as dual earners, which direction does it reduce if a child is there?

Are you both working full-time? Something must be wrong!

Or is the savings rate 2500€???

One could now take your correction of 2500€ for everything...

2500€ is currently our savings rate, our total income right now is 4500€ net. The income will reduce to about 4000€ net during parental leave....hope it is clearer now.

I don’t want to complain here now, since the conditions (equity capital, even if only a little, is available. Savings rate is also okay) are basically met. If it stays at 450k€, 4.5k€ net income is sufficient as long as there are no children.

You need to think about the situation if there are 1-2 children and you possibly pay 400€ per child in daycare fees.

One more point about the savings rate:

4500€ - 400€ - 2500€ leaves 1600€. Why do you two spend 1600€ without rent, without children, and without expensive hobbies? There is most likely still potential for optimization. Under this constellation, I would have expected 3000€.

How is the plot financed and what did it cost?

I understand the 2500€ as the current savings rate, right?