Expensive plot + single-family house 155 sqm + cellar KFW40+, financeable?

It feels a bit like me telling my patients: Keep smoking and only come back with a heart attack. ;-)

Wrong comparison: Run a marathon only when you have quit smoking = only build when you are financially healthy. Your example is: Build calmly, if it has gone financially wrong, you can still seek advice.

Okay, that was meant more as a joke. Still, thanks.

I am not a doctor, but a senior employee in a highly sought-after industry in our region. Nobody here cared that our income would nearly double when I return to work. That is why we postponed the house construction back then by about 1.5 years.

No one here cared that our income nearly doubles when I rejoin.

Additional salary would also have to be taken into account, as if you are counting on winning the lottery in 1.5 years. At least objectively from a bank's point of view.

Why is the OBJECTIVE from the bank's perspective? Even with a civil servant friend, the bank did not care that she could, of course, return after 1 year with any number of hours without any problems. This is not a lottery win, but a probability of 99.99%. She would have had to become seriously ill or commit a crime for it not to work out. But if you take that into account, you can't give any couple a loan either. If they separate, become unable to work.....

Since additional salary would have to be taken into account as well, it's like betting on a lottery win coming in 1.5 years. At least objectively from a bank's point of view.

There's something to that. Something can always come up. But with an equity share of almost 30%, I already wondered back then who actually bears the risk. But we didn't try hard either. The place just got a few extra gimmicks 1.5 years later.