House construction financing possible in the coming years - experiences?

Many things are possible. You just live slightly above the Hartz IV level, which somehow works...

But scenes like these are then everyday life:
"Honey, going to the movies is only possible next month..."
"Can we still take out a loan for a new washing machine? Or are we maxed out?"
"We're going to the zoo next year, promised..."

If this continues

Then there are completely different problems in this country.

You may have missed it, but ZF is cutting jobs, Varta is virtually bankrupt, Intel is massively cutting jobs, etc. etc.... automatically increasing income is no longer secure in the private sector...

Who is surprised after the policies of the last 20 years? After the elections next year, there will be a friendlier economic policy again.

One just lives slightly above the Hartz IV level, which somehow works...

We are still far from the point where you receive over €3,000 in Bürgergeld. That is - a great house is already covered by the installment - more than just slightly above the Bürgergeld level. With Bürgergeld, there isn't nearly €700 in monthly special payments. Whether one considers these amounts sustainable remains to be seen. But they are there.

I advise against it. Everything else the colleague has to decide for himself. I know the problem, after all. Apparently, you earn well, the house is standing, it has become more expensive than planned, and you get by from month to month with the credit card. Because life does not only consist of fixed costs and shopping at Aldi.

The colleague will be surprised how much you still need even with a lot of personal effort. And the 3,800 EUR net in 2 or 3 years is just crystal ball gazing. There are 100 reasons why that might not work.
Or does your provincial bank finance people who currently earn 3,000 and claim that in 3 years it will easily be 4,500?

Well, it’s tight, but it can work.

We were actually advised against buying the house.
Back then, estimate was about 5.5k net, 422k loan.

Luckily, it became less stressful thanks to the then known actual salary of my wife.

Now it’s even to the point
that my upcoming unemployment doesn’t worry me.

Can’t your wife work a bit more than 50%?

Maybe secure emergency money from parents, friends, relatives.
Even just thinking about that calms the nerves.

A term life insurance should be taken out.

A buffer also saves more stress. If possible.

Also, a little house is only cheaper on paper regarding maintenance.
From rent to house = you don’t have the tools for house and garden.
You constantly have new ideas, which also cost money.
In year 1 we spent about 12k just on “little things for the house, property.”
This year it will be about 6k again.

Best to try to buy, so you can plan better, save 1.5 years of stress etc.

I know the problem.

If you can't cope, you know your problem, but not the OP's problems. Small difference.

Or does your regional bank finance people who currently earn 3,000 and claim that in 3 years it will easily be 4,500? ... exactly...

The market leader also finances people with a net income of €3,000. It depends on the loan amount. And otherwise, please read my posts correctly. I have written several times that planning – whenever it is implemented again – can work well. Not now. So please don’t put words in my mouth that I haven’t written.