House construction financing possible in the coming years - experiences?

How are you managing now with the 3200 + 390 + 500 child benefit? Are you still able to save anything?

The house would cost about 500k€ (even without outdoor facilities?). Maybe you can still build up equity by then with the low rent at your parents' place.

The 500k€ probably means a rate of over 2300€?

And in the house there are clearly more costs with building insurance, property tax, etc. I find it tight, you should carefully calculate it.

A new car, vacation, purchases in the house like tools, etc. all have to be paid too. The outdoor facilities are not included in the 500k€ either? Question for the experts!

Three years ago, at 1%, people would have already said that this would be a close call. At 4% and a rate of 2, I honestly wouldn’t even think twice about 2,500 EUR.

(Only house approx. 300K) We would be willing to do our own work, depends on what

Painting, plastering? , outdoor area and carport since this has already been done in the family. My grandpa is an architect and can also give tips

Tips can't finance a house. Equity is more than good. Ten years ago, the perceived salary limit without significant equity was 4000€, about 5000€ for roughly 2 years now. Still, you have to say: if you budget 300,000€ for the house, that only roughly includes 100 sqm. Own work in the sense of "depends," i.e. small things like flooring and painting services, are not significant enough to improve the calculation.

I also think, sure kids get more expensive but we live very frugally. Lots of secondhand and we just have to put vacations on hold now

I think, with a repayment of the financing and consumption costs, it will already be very tight, so you don’t just have to restrain yourself on vacations. That will be really tight. You also can’t frugally cut back on kids. The costs for childcare, transportation, sports clubs, and school just exist. You also can’t sugarcoat leisure activities. Visits to the outdoor pool and zoo, eating ice cream, and ice skates—the costs are always there and can wear you down.

In the next few years: next level approx. €3800, working again approx. €1200

When sentences are incomplete or words omitted, information is lost. If it means that the woman will work more again, then the salary is of course very valuable and also necessary. However, one must expect that quite a bit will go toward childcare again.

Don't let yourself get crazy here. Even if things are tight for 1-2 years, sooner or later the income will automatically increase.

Don't let yourself get driven crazy here. Even if it gets tight for 1-2 years, the income will sooner or later increase automatically.

Unfortunately, food prices have risen by 30% in the last 3 years. Salaries have not kept up. If this continues, inflation will nominally devalue the loan, but all other expenses will also become more expensive, so that you can no longer afford as much, but even less.
Wages are not keeping up with 3% per year...