House purchase / financing possibly feasible?

You have stomach pains because of a €300,000 financing?? But you smoke away practically half the house in 30 years?? Welcome to Germany. People prefer to rent (by the way, the money is gone just like for cigarettes), because with such debts, yes there is also an asset behind it, you can't sleep.

The income and everything fits, just do it, there are no two opinions about that, and then smoke less or just burn the money and continue renting. And in 30 years think, spent over €400,000 on cigarettes and rent.

You have stomach pains over a €300,000 financing??
But you basically smoke half the house away in 30 years?? Welcome to Germany. People prefer to rent (by the way, the money is gone just like for cigarettes), because with such debts, yes, there is an asset behind it, you just can’t sleep.

The income and everything fit and just do it, there are no two opinions about that, then smoke less or just burn the money and keep renting. And in 30 years think, for cigarettes and rent over €400,000 spent.

But there are two opinions. Mine is the second one. The OP created a calculation according to which he has €600 left over. But from that, many other things still have to be financed, like clothing, etc. If a second child should come, then the €600 are quickly used up. I would either calculate very precisely (prefer all costs to be overestimated rather than underestimated) and then decide.

I don't think it's that bad. I'm actually far from life wisdoms and don't like to interfere in people's private matters... But... Have you noticed that the biggest item after the installment

They say when you build a house, you have to give up some things or rethink. Of course, if you both quit smoking or at least significantly reduce it, the situation looks different.

Yes, that's unconscious. If the cigarette item weren't there, the whole thing would look better.

But there are two opinions. Mine is the second. The OP has made a calculation according to which he has 600 € left. But many other things still have to be financed, such as clothing, etc. If a second child should come, then the 600 € will also be quickly used up. I would either calculate very precisely (better to overestimate than underestimate all costs) and then decide.

Child planning is completed and costs have already been calculated somewhat higher. Regards

Mobile phone contracts and cigarettes are two expense items where you can definitely really reduce costs. Everyone needs a different motivation to quit smoking. For me, it was the joy of no longer smelling like stale smoke. For you, it could be the joy of a new home. The actual withdrawal only lasts 3 days, and drinking water in sips helped me with that. Waiting for prices to fall will be in vain. If the house fits in terms of location (commute, etc.) and size, then grab it.

But there are two opinions. Mine is the second one. The OP has created a calculation showing he has 600 € left over. However, many other things still need to be financed from that, such as clothing, etc. If a second child is added, then the 600 € will also be quickly used up. I would either calculate very precisely (preferably estimating all costs too high rather than too low) and then decide.

Sorry, but anyone who can’t finance 300k with 4,200 € and still a buffer is doing something wrong. And these expenses are one thing; I know enough people who handle money differently when they own their own house. Priorities change and you pay more attention...
The expense side is always individual; here people often try to project their own situation onto others, which simply doesn’t work.

What is the OP currently paying for warm rent?

Sorry but anyone who can’t finance 300k with €4,200 and a buffer is doing something wrong. And these spending things are one issue, I know enough people who handle money differently when they own their own house. Priorities change and you pay more attention... The spending side is always individual but often people try to generalize from themselves to others, which simply doesn’t work. What does the OP currently pay for warm rent?

Well, I never said it was impossible, I just wanted to hear some opinions I had received. The OP currently pays €750 warm rent.