Desirable property affordable? Experiences?

I personally see it the same way (we are currently buying a new-build semi-detached house from the developer), but it often isn't what people here in the forum imagine. Therefore, I didn’t want to push it on anyone who has different wishes. In principle, I think (also for ourselves personally) that the standard townhouse layouts fit many young families with 0-2 children well to very well and that the advantages outweigh the drawbacks.

Whether it fits the OP, I can’t say. The fact is, if you want 3 children's rooms and possibly an office, many standard townhouse floor plans probably don’t allow for that (exceptions prove the rule ;)).

Otherwise, just generally... when I joined this forum, there were sometimes standard reference values regarding financial feasibility. Depending on whom you ask, it might be something like "max 30-40% of net monthly income for the loan installment" or "max 100-110 times net monthly income for the loan amount." That doesn’t mean you can’t deviate from this sometimes, but you should then consider and justify it carefully for yourself. Tendentially, when interest rates were still low, people still had good buffers with the installment amount but often exceeded the total loan amount (sometimes significantly). Right now, it's rather the opposite (or with new builds, sometimes at the limit on both). People are looking for smaller properties or bring more equity, so the total loan amount can sometimes still work, but due to higher interest rates, their monthly burden still reaches its limits (it feels like all inquiries lately are in the range of "ouch, that really hurts" – I would classify our own financing the same way).

The OP exceeds both marks even when using the "prospective" income (including child benefits and the partner working part-time again factored in). I find that concerning and it tells me this is a number too big.

The current owner is a Samaritan and does not care about the proceeds, practically... I can't imagine that but it is said to exist

Request rent-to-own?

Maybe one should simply free oneself from superlatives in life. Dream woman, dream wedding, dream trip, dream house,... More Lagom than perfection.

Built too much upwards instead of sideways, too small for 2-3 children + study, almost no storage space (without ), too dark, too close to the neighbors, garden too small

but in the medium term it should become a single-family house.

The dream may be allowed, but you have to be careful not to take the dream to the grave. With all due respect (we also had no more than €4300 when we built new in 2013!), but your budget does not allow for most of your wishes. Or do you think that townhouse buyers wanted as many stairs as possible, everything dark without windows, close to the neighbor? No, rather not. But you arrange your financial situation with the living space you can afford. There are neighbors with single-family houses as well, whom you hear and see. Otherwise, there is the wilderness, which is a dream location for unsociable people. By the way, I also had a townhouse, which was bright, friendly and with many windows, and with a finished basement, 160 sqm of living space was possible. We started to build our dream with the end townhouse and now have the new build according to our wishes. It's a pity that you don't answer the questions directed at you.

Have you even been to a bank and asked about your limit? Do you know what houses cost otherwise in your area?

By the way, one doesn't know here what you mean by dream location in or near Hamburg, there are cheaper and newer properties than BJ1965/€620,000/170sqm in all directions around Hamburg.

Plot: 1285QM Living area: 179QM Tapered plot Quiet neighborhood with single-family houses Standard land value: approx. €600-650 Fully basement Old oil heating Condition: Well-maintained but in need of renovation Purchase price: €620,000

When I read that... 60s, still oil heating and the agent says "well-maintained but in need of renovation". This is a case for a €200k full renovation! Or even more for 180m². With that size, you can't value the entire plot at the standard land price, but it seems to be a good area. In other words: here you are only paying for the land, unfortunately you have to take the house as well.

Or do you think that townhouse buyers wished for as many stairs as possible, everything dark without windows, nice and close to the neighbors? No, probably not. But you arrange your financial situation with the living space you can afford.

Sorry, but townhouse doesn’t automatically mean cheap, and that you can’t afford anything else. The more urban you want to live, the denser the development becomes. The townhouses in my neighborhood can only be afforded by academic couples with money. Those who don’t have that have to move further out of the city. Oh yes, on the topic of too little space and such: We live here with 4 children in a 150m² end townhouse. Office, laundry basement, and workshop basement are all available, as well as our own garage. I definitely don’t miss a detached house. So really better not to close your eyes in this direction.