Full financing or saving?

Save yourself the ancillary purchase costs. With a net income of 5.7k, that should take at most 1.5 years. Then start with 100% financing with proper repayment to quickly get into a non-critical range. Suitable properties don’t just grow on trees anyway, that takes time. And don’t let yourself be pressured. Neither the current interest rate level nor the (wrong) idea of throwing away rent are good advisors.

To be honest, this is currently also my preferred solution. Let’s see what my girlfriend thinks. If we at least had the ancillary purchase costs in the pocket now, the decision to start "now" would probably have been made quite quickly (besides, it can certainly take 1-2 years to find the right property).

But a non-binding consultation surely can’t hurt either. Let’s see what "they" think.

But a non-binding consultation certainly can't hurt. Let's see what "they" think.

That will vary from bank to bank. Here, people have posted financing examples >100%, where then 20, 30, 40 thousand euros were offered as consumer loans at >5% interest to cover the incidental purchase costs. So quite a few things are possible, depending on whom you ask. Whether that's a good idea ... well.

Sorry but you earn €5700 net plus 13th salary and only want to save 16k. What are you currently doing with the rest?? Mind you, there are two of you, and when children come along with income loss due to part-time work plus daycare fees... Cheers. My wife went to buy winter scarves, hats, and gloves for the boys today. Outlet for €53. It all adds up.

It doesn't matter what they do with it. Maybe they pay 2,000 euros rent, just like us. I would save up the additional costs and then get started.

Well, the forum is right though: paying rent for 10 years means you had a place to live, but nothing more. If you buy something in the same time, you probably have more costs but after 10 years you have something tangible.

You can only live in a house as well. It doesn’t pay off. Save the extra costs, and then you have more in hand and live extremely flexibly on the side. A house is a luxury you can enjoy, but financially it rarely makes sense compared to renting.

You are basically right, but in reality it doesn’t work like that. Your argument assumes a rental market that also functions well from the tenant's perspective. In our area, for example, it is not at all possible to rent an apartment or a house with 180 sqm or more and acceptable quality. Flexibility is just wishful thinking there. If a property is ever on the market, it is at an unrealistic price. From my perspective, it is often financially advisable for young families with higher incomes to build a house.

In einem Haus kann man auch nur wohnen. Das rechnet sich nicht. Spar die Mehrkosten an und da hast mehr in der Hand und wohnst nebenbei extrem flexibel. Ein Haus ist Luxus den man genießen kann, aber finanziell lohnt der sich sehr selten gegenüber mieten.