Feasibility Single-family house + land 400,000 €

With your income, even 400k would be very tight. Income expandable?

Income is expandable but unfortunately that takes time. As a Bavarian civil servant, I am subject to legal regulations. I will make progress, but it takes time. And you certainly don't get rich as a civil servant. Nevertheless, it is an unpleasant situation to know that you spend a lot of money every month and get "nothing" back for it. At the moment, we can put aside about €1200 per month. If we do this for another three years, I think we can tackle the project again. By then, a promotion should have taken place as well. Of course, also depending on how interest rates and construction costs develop.

Morning,

well, I always found renting quite pleasant. You didn’t have to take care of anything and you lived in someone else’s property. So the idea that you get "nothing" is not true.
Where we are in Hesse, I expect significantly fewer promotions in the civil service sector in the near and medium term due to the current situation. Nationwide, there will probably be a nice three-digit billion amount of taxes missing.
Therefore, I would not count on more than the mandatory promotion from A6 to A7 or from A9 to A10 and the experience levels.

Regards

How exactly is the net amount of 4100 composed? How old are you?

Well, in my opinion, it depends on the employer. If you are employed directly by the state, it is quite possible that such a situation will occur. However, the municipal employers tend to be a bit more generous when it comes to promotions. For example, such a situation is not foreseeable with us. Nevertheless, I always plan based on the current salary and not on what might still come. Likewise, I do not factor in any inheritances that might eventually come to me.

@ RotorMotor
Income 1: 2900 net
Income 2: 1200 net

We are both 36 and have one child (child benefit included in income 2)

Your equity sounded like that of a career starter in their mid-20s. Unfortunately, you have already missed a whole decade of savings. Surely, you have done other nice things with the money, but anyone with your solid middle income who wants a house must stay disciplined... Or admit that an apartment or a terraced house may financially better match your other consumption habits.