House financially feasible at about 5,000 net?

Have you ever looked at a property that could be an option for you?! I personally do not believe in always saving up or considering every possible cent for every possible repair in advance.

If you had read my post between the lines, then you would know that your calculation seems a bit optimistic to me ... --> whoever does not have HU fee, workshop, depreciation/reserves for replacement procurement, etc. in the monthly budget for the car (because these items do not occur monthly) ... ... what does that person then forget when budgeting a house construction/renovation project?

It does not matter which car, it always costs you at least 300 euros. The rest is wishful thinking.

I increased from 205 to 300 above, that is 95/month = 1140 per year. That is more costs than we have spent together on repairs etc. for our cars over the last 5 years. I have broken down the remaining 205 euros above. PS. These are not fancy BMWs, Audis or anything else, but two Seats - also inexpensive in terms of maintenance.

or do the repair yourself or have a buddy do it for a case of beer. It's off-topic, though,

Indeed off-topic. After two years, you don't do anything yourself anymore and have to be glad if you can still unlock the hood for the washer fluid…

My car (Audi A4) costs me, if I calculate honestly, 750 euros per month Just as a tip (I'm not an advocate of calculating everything badly) ;-)

In other forums people would shake their heads Pay off quickly? Better to pay off minimally and invest the surplus, you get 100 times more from that....

Says the one who recently "shat his pants" because of financing and now comes around like that. Wonderful. :D

Hello,
so I understand your situation very well. Two years ago, I was tormented by the same questions.
Back then, everything somehow still felt like a pipe dream, and today the second ceiling was poured here with us, by the way also in OWL.

I first tortured various scenarios for myself, especially regarding the income situation, through Excel.
That’s probably in my DNA as a controller. Occasionally I still sweated at night, but on the whole it helped ;)

Regarding that: Do you have additional salaries like UG, WG, bonuses?
Sure, the regular month should always sustain itself, but it’s still reassuring if you can basically expect these special payments but haven’t factored them into the capital service.

Your income is stable now anyway, and from my point of view, with this starting position, it is definitely possible to embark on the path toward ownership.

The crucial question is then the claim and the own need for security.
With you, everything reads quite reserved, and that’s how I also assessed us in the beginning.
But you often lie to yourself in this regard.

Ultimately, for most people this is a “once in a lifetime” project, and suddenly the claims come.
Suddenly you’re willing to pay €300 more for a faucet (off-topic: in my opinion, the fixture industry must be a mafia!! ;-))

I can only recommend really researching the possibilities as concretely as possible in such an early stage.
No matter whether existing property or new build... Just go to real estate agents, various construction companies, and also to the bank/financing advisers.
Props to the forum here, but at least occasionally good input comes from these parties.

Such a process can easily take two years or even much longer until anything is in sight, so you should start early anyway.

The fact is also that you can hardly save against inflation currently.
My construction manager said to me today: “This year we would have to charge 15-20% more for your house.”
Now the current exceptional situation is not representative, and such a construction manager talks a lot when the day is long, but time does not always play into your hands.

Conclusion:
If you really want it, go for it. Better now than staying completely idle for two years first.
There are always people who want to finance with a maximum of 60% loan-to-value, 5% repayment, and an annuity equal to 20% of the monthly net income.
A bit of risk also belongs to it.

PS: By the way, I find it completely inappropriate again how some people cynically smear completely unrelated issues within the whole topic here. Just write properly or get an internet driving license.