Home financing: Is it sensible or should we wait a bit longer?

It is generally said: 1/3 of the net income for the bank installment, the rest for living and incidental expenses as well as others. That makes €850 available with a net income of €2,500. Exceptions are made, for example, if the salary can be garnished. For example, if you calculate 3.5% + 1% repayment, that is a payment of €750 for €200,000. Additionally, the installment for KfW €50,000. Roughly €950. But at the bank, everyone is an individual case, which is calculated

And what is then the remaining debt after 10 years? I guess about €220,000. What happens with an interest rate of 6% + 1% repayment to the installment? Possibly twice as high!!!

And what will the remaining debt be in 10 years? I guess about 220 TEUR. What happens to the installment with an interest rate of 6% + 1% repayment? Possibly twice as high!!!

exactly that

I would like to know what the houses for around €250k all include! How much is the land there worth? I assume no garage, nicest laminate/tile flooring in the house, and concrete slab or even gravel paths outside? So I am more a fan of "valuable" things. I am building only once, so I don’t want to hear the "click" sound of beech laminate anymore.

And after 10 or 15 years, when the low interest rate disappears, you can no longer afford the place and it will be foreclosed. Well, I am currently saving up for a cheap bargain to rent out in 10 years.

Of course, I would then make sure that the interest rate is fixed for at least 20 years. Then, before the "additional financing," I can make a large extra repayment, and in 20 years there will also be a lot more income available. Then the installment can also be higher.

I would like to know what houses for around 250k€ complete already include! How much is the land worth there?
I assume no garage, nicest laminate/tile flooring inside and concrete slabs or even gravel paths outside?

Well, I am more a fan of "high-quality" things. I only build once, I don't want to hear the "click" noise of beech laminate anymore.

Well, a friend of mine who built for that price included a plot of land worth 80,000€, a brick garage, underfloor heating throughout the house (air heat pump), laminate upstairs, fully tiled downstairs, but no landscaping... the garden was done afterwards for about 3,500€ (wooden terrace and lawn).

But as I have already written once... the expectations are quite different.
For example, I also want laminate everywhere in the bedrooms... why not?
And I don't need colorful flower beds or other things in the garden... a terrace is enough for me, and otherwise there is only lawn.

I would like to have laminate flooring everywhere in the bedrooms too... why not?

Because plastic can't be cozy? ...!