Now don’t get so hung up on the cars, .
If the Up is almost always just standing still anyway, it can just be replaced by a bike or an old Fiesta.
If you have to have a new C-Class and a 3-year-old Golf parked outside, cars are expensive, of course.
But if you can get by with a 10-year-old Opel and can do some repairs yourself, the costs are simply lower.
These should not be underestimated either, but it’s not the same for everyone.
The financing is doable, although with the current income it is definitely tight.
The housing costs are clearly too low; if you really go into financing like that, the additional financing will definitely be booked.
But first look for a plot of land, then you’ll have a major item realistically calculated.
Then it goes on with selection and planning, then it gets a bit more realistic.
I would assume total costs of 600k.
A guaranty is nonsense and simply not necessary, an equity grant would be great, there’s nothing against that either.