House purchase and house construction - What can we afford

A financial advisor is one of those things – we generally have a pretty good handle on it ourselves / but primarily for investments/allocated money.

Apparently not.
He checks your liquidity, equity, and tells you what is "in the house" with the salaries, even if one is reduced during parental leave.
So, how much credit is possible, and then: what makes sense to build or buy.
Because you yourself have noticed: everything is a bit more expensive in the city. And even those who have money need to calculate.

The sums floating around here are already making my/our ears ring a bit.

An unusual scenario to be in debt for decades.

What are we, the homebuilding cross-section of society, supposed to say? Many here have barely 80,000 or 100,000€ in equity, some have nothing at all... they take out 400,000-500,000€ in loans to be able to build and pay off a monthly credit of 2,000-2,500€ with salaries of about 5,000€, which is reduced during parental leave.
The rise in interest rates has shattered the dream for some. They remain renters.
You yourself say that you are in a luxurious situation

I _think_ we are in a very luxurious situation when it comes to capital/income, but none of the calculators properly capture our case anymore.

… and that is what a financial advisor does then.

The repayment issue is a very interesting point, can that be negotiated into the contracts?

Yes, no. Nowadays, financing usually includes two repayment changes. For such information, you need a consultation session, and a tax advisor would certainly not be a bad idea either.

Apparently not.
He checks your liquidity, equity and tells you what is in the “house” with the salaries, even if one is reduced during parental leave.
So, how much credit is possible, and then: what is sensible to build or buy.
Because you yourself have also realized: everything is a bit more expensive in the city. And even those who have money have to calculate.

What are we, the home-building cross-section of society, supposed to say? Many here have barely 80 or 100,000€ in equity, some none at all… they take out 400-500,000€ to be able to build and pay off a loan of 2-2500€ every month with salaries of about 5000€, which is reduced in case of single earner.
The increase in interest rates has ruined the dream for some. They remain tenants.
You yourself say that you are in a luxurious situation

… and that is then done by a financial advisor.

Yes, no. Financing nowadays has two repayment switches. For such information you just need a consultation hour, a tax advisor would certainly not be a bad idea either.

Thank you very much - very valuable. You misunderstood the topic with the financial advisor / our primary focus so far has been on “multiplying” money / i.e. so far we didn’t need anyone.

Financial advisor in the sense of real estate financier aka Dr. Klein / Interhyp or do you mean another entity? (Where can you find someone who would be recommended?)

You misunderstood the topic with the financial advisor

Rather you ;)

Financial advisor in the sense of a mortgage lender aka / or do you mean another entity? (Where can you find someone who would be recommended?)

Exactly. However, I would first go to a tax advisor or someone similar (I’m not familiar with these salaries, but I can imagine others would rather advise that)

Thank you very much - very valuable. You misunderstood the topic with the financial advisor / primarily, our focus has so far been on "increasing" the money / meaning we didn't need anyone for that until now.

Financial advisor in the sense of real estate financiers aka Dr. Klein / Interhyp or do you mean a different entity? (Where can one find someone who would be recommended?)

Did I read correctly that you are operating in the Munich area?
We found a fee-based advisor in Munich who seemed competent to me (and I am from the field myself...).
If it helps, I can gladly give you the name.
I strongly advise against Interhyp etc., as they receive their fees from the bank... but with your background, I probably don't have to tell you that ;)

Primarily, our focus so far has been on "multiplying" the money / i.e. we haven’t needed anyone for that until now.

Actually, it’s still not that much different. For you, it’s less about whether you fundamentally have the money and income to buy a house (you do) and more about how to approach it and optimize it for you (e.g. keep the apartment yes/no, how much of the equity to contribute, how much monthly burden is okay for you (or not), and whether you benefit more from leaving money invested or contributing it). There’s a lot of room for maneuver between "we basically take on nothing" and "we take on almost everything" with you, and if in doubt, that can also be represented (and I think there’s more than one right answer, you just have to find your priorities). For others, the question is much more "is that even possible".

With others, the question "Is it even possible?" is much more in the foreground.

Financially, presumably no one can tell you here what is best for you. In this context, it is not about the "if" but only about the "how". Much more exciting is the question about the "what". Have you ever looked at what properties are offered in your desired area?