Due to our young age and my lack of financial support during my parental leave, we unfortunately lack any equity so far.
But unfortunately we are currently really obsessed with the dream of building a house
Bad combo! Unfortunately, you/you all lack reflection on the current situation. Also, an obsession or fixation on short-term goals is no good life advisor.
4. Standard values can be used for everyday expense items (insurance, mobile phone, ...)
Unfortunately, I lack the imagination here: please enlighten me. I certainly have a different standard than you... one pays a lot for insurance, another has an expensive phone bill. Have you ever kept a household budget? There, all costs over the year are recorded: even the bread roll in the morning or the cinema in the evening. Every supermarket receipt is entered, plus, of course, monthly phone costs and insurance. I give this tip to every prospective builder who has difficulty building equity.
1. The loans are not long-term and will be paid off within about 3 years (car + student financing)
After that is the best time to think about building a house. But always remember: the next car also has to be saved for. Either through financing, like you have now, or by saving monthly over several years of about ... yes, exactly those 3-400 euros, because you probably do not want to lose the status of the car. 350€ already indicate a higher-end car; for mine I would have to pay about 170€... costs around 20,000 new, so your car would have to cost around 40,000€???? Moderation looks different.
2. The household calculation is a very conservative calculation, which already estimates 1,200 € for food alone. Furthermore, it includes generously special expenses such as clothing, gifts, or the like.
Yes, but you need that too. Or do you want to do without new clothes?
In addition, bonus payments in the low five-figure range are forthcoming, which could cover special items after the house purchase.
Well, those are often already eaten up by impending costs before the ST can even beep. Then there are the outdoor facilities, which you want to do little by little after moving in, the carport, the terrace roof would be nice, oh, the vacation has also been skipped for 2 years, so let’s enjoy a bit... vehicle maintenance, and, and, and...
Keep a household budget and see how you can build equity, the same applies to paying off debts. The salary is good. If you financially overstretch yourself, the rosy life can quickly turn grey. Then one partner likes to withdraw. Alone, the house is not manageable at all.