Finance a 1 million Euro house without equity?

Measures

Sell second car / money
Also eliminates car tax / insurance
Cancel Netflix
Weekly restaurant visits will be abolished
Only drink water

A little tip: if you switch to tap water, you can significantly increase your savings potential :)
You’re not serious, are you? Saving is fine and good, but what are you living for, please?

One can plan for inflation or price increases, salary increases, etc. My forecast goes 10 years into the future. Everything that can be planned is taken into account, like a new PC, a broken washing machine after 25 years, maintenance of building technology and tire changes, even the 12V battery of the car.

So sorry, but I think that is unrealistic. Who would have foreseen and been able to plan for inflation caused by a war? Recently, I got a nail in my tire and in the end had to replace the entire set prematurely. The washing machine can also break much earlier. The list can be continued indefinitely. I also work with a household book and budgets. But I have realized that looking too far into the future just drives me crazy, because uncertainties inevitably increase. I review every year whether my assumptions were sensible and adjust if necessary. But I don’t have a crystal ball. Wanting to plan everything to the cent 10 years into the future... I don’t even know if I’ll still be alive then!

Sorry, but I think that's unrealistic. Who could have predicted and planned for inflation due to a war? Recently, I got a nail in the tire and ultimately had to replace the entire set prematurely. The washing machine can also break down much earlier. The list can be continued indefinitely.
I also work with a household budget and budgets. But I've noticed that looking too far into the future just drives me crazy because uncertainties inevitably increase. I review every year whether my approaches were sensible and adjust if necessary. But I don't have a crystal ball. Planning everything down to the cent 10 years into the future... I don't even know if I'll still be alive then!

I see it similarly. You can certainly do it, but it's completely pointless.

I also have plans about 2-3 years ahead, but more with flat rates rather than broken down to every household appliance and piece of furniture. However, I have found that in recent years, despite high inflation, I always planned way too pessimistically because salary adjustments, tax-free corona bonuses, special payments, job changes, etc., have led to significantly higher income than previously planned.
You also always have bigger projects around the house, which in our case are scheduled for the next 2 years depending on priority. For example, we took many pieces of furniture including the kitchen with us when building the house. These have been gradually replaced over the last years during room renovations. The amounts we spend on that now, I would never have set even inflation-adjusted 10 years ago. A terrace roof or photovoltaic system would definitely not have been included in my plans 10 years ago when we moved into the house. That just gradually came about.

But through the household budget, I still have an overview of what remains monthly and could of course roughly project that 10 years into the future. However, since we will be done with the loan this year, the investment share will increase significantly. The higher it is, the less the monthly surplus matters, as the development of capital income becomes more interesting.
Sure, I can calculate a number, but it’s not meaningful.