From 0 to 100 in 3 years realistic? | Building obligation

No drama, but the contact with the old friends was gone for everyone. And of course the children's hobbies as well.

It’s not natural that all of that disappears. I can still imagine that happening with the children’s hobbies, but with contact to adult friends? That’s a mystery to me. I myself wouldn’t finance that high and gave the OP the tip to also practice saving in everyday life. Because that’s what’s really challenging. Not going on vacation or driving only a small car, that’s saving for beginners. Everyday saving shows whether you’re able to persevere financially. And that in turn opens up perspectives. I only listed the worst-case scenario. For some, that already starts with a 3-room old building apartment. That’s a bit strange, isn’t it?

It's not natural that everything gets cut. I can still imagine that happening with the kids' hobbies, but with contact to adult friends? That’s a mystery to me.

I myself wouldn't finance so high and gave the OP the tip to also practice saving in everyday life. Because that is what is really tough. Not going on vacation or only driving a small car, that’s beginner saving. Everyday saving shows whether you are able to financially tough it out sometimes. And that in turn opens up perspectives.

I only listed the worst case. For some, that already starts with a 3-room old building apartment. That’s a bit strange, isn’t it?

Fully agree. Hence my bewilderment that the OP only wants to build a "perfect" house.
But that is also a question of life experience. Like with the first child – everything has to be new and perfect and one plans the nursery for months and looks for the perfect stroller and maxi-cosi... After the first six months, you are happy about all used stuff you can get and the perfect baby room is used as storage for all the things that were only worn four times. With the second one, you know better then.

The Saarland was also once economically well positioned... However, these are developments that usually take several decades and did not come into effect within 2 years, so there should have been enough time to react.

The IT sector will certainly remain important. But the question is in what form. Currently, everyone is overjoyed about 100% remote work. But what can be done from 600 km away can also be done from 6000 km away. It doesn’t have to happen, but I do see a certain risk there. So far, IT is still growing incredibly fast and there is almost a place for everyone. However, this could change in the sense that you have to be significantly better than the cheap competition abroad.

If I have the choice between the 3 options, on-site and in the native language, remote nearby somewhere in Europe, or far away in the East (India, etc.), then I have a clear preference, especially regarding the runtime after creation...
Nevertheless, there are tasks that can be outsourced, and it remains exciting.

The Saarland was once economically well positioned... However, these are developments that usually take several decades to unfold and have not manifested within 2 years, there should have been enough time to react.

Problem: Once you live in the (expensively) newly built house, you do not sell EARLY because of falling real estate prices and prophylactically rent something smaller but only react (have to!) when your employer lays off en masse or closes the plant due to bankruptcy – and you can only find a suitable new job 300 km away! Which then affects thousands of other homeowners SIMULTANEOUSLY...

Yes, sure, then it's over and out
With that attitude, hardly anyone should buy
And I’m counting on 1.5 salaries, there’s also the option to switch to full-time
My brother and I will also inherit from the grandparents

Nowadays, almost no one can buy sensibly anymore, correct. It’s stated everywhere by now. The hope for an ETF windfall with the KfW money doesn’t help. You admitted elsewhere that you wouldn’t be involved without the extra cash. But have you already added 10% "value increase" to the market value? Or how do you get to the €900,000?

Otherwise: Are you included in the will so that you could already inherit something from your grandparents? Maybe one should also consider that if the nursing home comes, nothing will be left of the big dreamed-of inheritance? This applies equally to grandparents and parents. Nursing care strangely doesn’t get cheaper, and the shortage of skilled workers is yet to come. How long will your inheritance share last? If things go badly, many thousands per month can go out.

Maybe you’re right though – prices keep rising, interest rates don’t, and the economy is booming. And especially important – outdated houses will become a big hit on the market because of upcoming renovation obligations and generate extraordinary proceeds for the heirs, so prices will continue to rise overall.

But no matter how it turns out: As long as each of you alone, with splitting, can cover the installment from one salary, it’s okay in case of emergency. With your €2200 installment, you and your partner should be at €4400 net in tax class III, then the risk is low.

If I have the choice between the 3 options, on-site and in the mother tongue, remote nearby somewhere in Europe, or far in the East (India, etc.), then I have a clear preference, especially regarding the runtime after creation... Nonetheless, there are tasks that can be outsourced, and it remains exciting.

The only question is whether management or the current market situation allows you on-site – here rather: remote off-site in Germany – or if you simply have to purchase services. Even the remote off-site solution in Germany already carries a risk – e.g., living in Görlitz and working remotely for companies with higher salary levels in the South. This will lead to wages being questioned locally & onsite as soon as someone decides to use this gradient.