Financing: Our house construction project is scheduled to start next year

And not everyone who is 25 deserves their 3-4K net per month, I don’t know a single one in my circle of acquaintances.

Very few 25-year-olds can afford a house either (also very few of you).

but I don’t see why I should move into a condominium and spend 100,000€ - 200,000€ for it.
I’d rather save my capital and wait for the right moment.

Picky about an apartment? In the apartment you save even more than now with rent + reserves in your account or similar.

Thank you guys for all your nice and friendly hints and tips. We will take everything into account and, as you said, start with the household budget first. And about the property, we would like to stay in our area, radius 25 kilometers. But we will definitely save up, and in that matter, I am very disciplined. My girlfriend always complains that I am too stingy because I never treat myself :D but that's just how it is when you have dreams :) if anyone has more advice, feel free to share :). And about the car, my girlfriend's car will be paid off in 2 years. Of course, eventually there has to be a new car, but for now neither of them is falling apart :D And yes, it’s all still very hypothetical, but I like to plan for the future and want to be well informed when the time comes. I wish you a nice evening, regards Marvin

But we are definitely saving and I am very disciplined about it. My girlfriend always complains that I am too stingy because I never treat myself :D but that's how it is when you have dreams. :) If anyone has more advice, bring it on :).

The important thing is to save in a way that suits both of you for the rest of your lives. Otherwise, it’s no fun. Otherwise, everything important has already been said. With your income, it will be tight as soon as children come and one income drops out or only brings in half. That’s why it’s all the more important to clearly define the possible rate beforehand and also not to sugarcoat things like cars and vacations. On the other hand, you are still young and can let both the career ladder and inflation work for you. Otherwise, I can only give you the tip to maybe reconsider the apartment. Not all apartments are bad, and in case of doubt, they can be turned into cash quite well, either through sale or rental. And with smaller amounts, you automatically get better conditions than you would by combining 5 funding programs.

There are increasing reports and analyses that price declines are expected (most recently last week by Deutsche Bank and yesterday by KfW).

I have a question about that, do you mean land or construction prices?

Good morning, 4k net and 450k loan still childless. When there are children, the next vacation will not be discussed at the kitchen table but the next investment (refrigerator or car inspection).

Tight panties

I have a question about that, do you mean land or construction prices? @nordanney

I.W. purchase prices. Should be due to declining demand. It will then also be reflected in construction prices.