House construction / house purchase planned, evaluation of financing plan

Really? That's all there is?
But later there's a really good pension, which "normal" employees can only dream of.
And an absolutely secure job.
Olli

In old age yes, but not at the entry level.

But later on there will be a really good pension,

Nope, there’s no pension at all. ;)

Hi,
your income looks good, there should be quite a bit possible.
I would try to save some equity somehow so that at least the additional costs can be paid from it.
Maybe there is support somewhere.
The main problem is probably finding a suitable property.
And you don't always have to want everything, a terraced house and such is enough.
With one child, 100 - 120 m² should be sufficient.
Regards Olli

I suspect anyway that this year it won't happen with the house....

Yes, a end-terraced house or a semi-detached house would be enough for us. 4 rooms, 110-130 sqm, small garden, 1 - 2 garages. There are quite a few providers who offer something in that size range (I think I’m not allowed to link, but the Deutsche Reihenhaus or Vista are good examples).

And regarding the job, unfortunately it's not a professorship ;)

I am a bailiff, which means a basic salary of A8 or A9, but there are some special features and privileges. You have to organize your office operations at your own expense and thus have to take care of an office outside of the local court. Practically a civil servant on a self-employed basis. In addition, you have to pay the office rent yourself, every stamp, every sheet of paper, etc. has to be paid out of "your own pocket." However, you receive a certain share of expenses per assignment for this. That easily covers the monthly "operating costs." Additionally, there is a kind of enforcement allowance, which must be fully taxed. That amounts to about €2,000 net per month. Together with my basic salary of around €2,500 (A8 level 5), you then get the salary mentioned above. Since the public service does not follow the performance principle but the jurisdiction principle, I definitely get the assignments and thus have no entrepreneurial risk.

The salary table can be seen by anyone on the internet. Then use the gross-net calculator and you have a rough idea.

Then the pension is probably also "only" based on the basic salary, right? Either way, the income should be fine as long as the bank cooperates. From experience, just taking over the additional costs already affects the terms, so you should make sure you can contribute around 50K yourselves. That would be in about 1.5 years.

Everyone can look up the salary table on the internet. Then use a gross-net calculator and you have a rough idea.

Uh yes, but my wife and I are in significantly higher pay grades and have less net income. I've also never heard of the enforcement fee. Very interesting, thanks for the information!

In any case, buying a house is financially no problem for you at all. As you yourself say, you just have to keep an eye on the market and when something reasonable comes up again, then strike.