Financing a house alone or already building/buying one!?

And just for your information. From the bank (common formula) you get 108 times your net salary. So 270,000 €. That will hardly be enough. That's why I stick to my suggestion. First buy the land, pay it off, and see how the future develops.

I only see a 200k financing amount here as well. More once the car payment is gone

And just for your information. From the bank (common formula) you get 108 times your net salary.

Where does this formula come from? I've never heard of it before.

Then we would get around 740 thousand euros from the bank. The rate for this (annuity 4%: 2,474 EUR) is way off and amounts to 36% of the total income...

And just for your information. From the bank (common formula) you get 108 times your net salary.

That is not a common formula but nonsense... In the last 25 years of my career as a real estate financier, I have never heard of that. Why not 109 times? What if you pay alimony (for example, I have about €30,000 a year for that), have other debts, or perhaps earn most of your income from freelance and self-employment?

It is a first indication, just like the 2,000€/m² as construction costs. The value should not be taken at face value, it depends on many individual circumstances and is still fine for initial estimates... I think that is all wanted to express. Is the 100-fold perhaps less "arbitrary" and more acceptable to you? I have actually read that more often as well.

Where does this formula come from? I've never heard of it before. Then we would get around 740 TEUR from the bank. The rate for this (annuity 4%: 2,474 EUR) is way off and accounts for 36% of the total income...

With an income of 7.4k, 750k is definitely possible. There is still well over 4,000€ left for living expenses. You would have to have an immensely high standard of living not to manage. And mind you, with 4%. The usual rate is actually 2-3 for most people. The 100 times rule is generally quite accurate. Those who can and want to make sacrifices can afford more. Those who still want to go on South Sea vacations and drive an expensive car simply cannot.