Feasibility Single-family house - Cost statement / Financing realistic?

No, it doesn't matter whether you are married or not. What matters to the bank is that the borrowers are split between two people and the loan is not borne by just one.

For the bank, marriage might not matter. But not for the funny tax class games that you and others immediately started playing :D

Tax classes 3 and 4/4 are pretty difficult without a wedding ;)

Although I can't find any evidence to support the assumption in the opening post either..

You apparently aren't married yet?

Being able to manage rates of up to €1700, then married with tax class 3

Then married = not yet

Then married = not yet now

Thanks :) then it somehow fits with the tax classes. Sorry

Thanks already for the feedback, I would also like to provide some answers here!
- The current expenses of 3,000€ already include savings rates for car / Riester pension / vacation etc. There really aren’t any more expenses.
- We are actually not married, but that should happen within the next 2 years ;-)
- Overall, a repayment period of 30 years seems very long to me, which is why we have mentally set the rate a bit higher, but I agree with your thoughts on making it more flexible so that there is room during parental leave.
- It encourages me that from your point of view my calculation of the house costs should roughly fit.
- I somehow don’t see building less than 180m², since we’re building without a basement, there has to be space for storage rooms, laundry room, installation, pantry, office, which seems impossible with fewer m².

I’m happy to receive more feedback, really great!

I somehow can't see building less than 180m², since we are building without a basement, it is also necessary to accommodate storage rooms, laundry room, installations, pantry, office somewhere, which seems impossible with less m².

How do families with 2 children live on 100-120sqm? :p Not meant to offend, just to show that it could definitely be smaller, even without a basement.

How do families with 2 children live on 100-120sqm? :p
Not meant to be offensive, just pointing out that it could definitely be done smaller, even without a basement.

Yes, that is probably true - but I also think that these are mostly families with a condominium or rental apartments.
It also all depends on the personal attitude.

I think that the OP, based on his statements, is also more someone like: If already, then go all in! That's how I think too... Better spend about €50,000 more and have 180sqm instead of 130sqm.
With 2 children and no storage options/basement, it will certainly get tight at some point. Otherwise, the garage is eventually converted into a storage room (which you see very often) – but not everyone wants that...

Not everyone wants to dry laundry in a small technical room or even in the living room (which you absolutely have to do with only 100-120sqm). Then you might also want an office or additional storage options like a pantry, etc.

Of course, everything ultimately has to stay within the budget – you have to be able to afford it and, above all, want it! But I really completely understand the OP :)

Thanks already for the feedback, I also want to answer here!
- The current expenses of €3,000 already include savings rates for car / Riester pension / vacation etc. There really are no further expenses.
- We are actually not married, but that should change in the next 2 years ;-)
- A repayment period of 30 years seems very long to me overall, so we have thought about a rather higher rate, but I agree with your considerations to keep it flexible so that there would be room during parental leave.
- It makes me positive that from your point of view my calculation of the house costs should roughly fit.
- Somehow I don't see building any less than 180sqm, since we are building without a basement, so storage rooms, laundry room, installations, pantry, office have to be accommodated somewhere, which seems impossible with less sqm.

I am gladly looking forward to more feedback, really great!

A repayment period of 30 years is completely fine at your age! "Treat" yourself to the flexibility and it will work out :)

I think it all looks quite decent.