House purchase - What can we afford?

Hi, sorry I expressed myself incorrectly, the house is to be demolished and rebuilt. Everything except the roof is to be removed. The current financings are 700 per month with me and about 300 with my wife, but they will expire soon. I earn 2300 net, my wife 1700.

Huh, you want to keep the roof?!

Yes, the roof is only about 15 years old, it was redone. We want to support the roof and build underneath. It's normally not a problem.

Many things are feasible, not all are sensible. But you and your architect will know that. I just can't imagine staying flexible and actually saving a lot, not to mention "interface problems". I don't think I would have come up with such an idea...

Man, man man, is it really so hard to answer questions when you want information in the forum?

Based on your current statements, it can be noted that you are now paying €1000 for a loan that will expire soon.
Due to parental leave, your wife's income will decrease by at least €600, while expenses will increase. That means you will have €400 left and you cannot build a house with that.
What happens after parental leave, only you know, how much you save in addition to the current rate, only you know, etc.

Hi, sorry I expressed myself incorrectly, the house is to be demolished and rebuilt. Except for the roof, everything should be removed. The current financing costs me 700 per month, my wife about 300, but they will expire soon. I earn 2300 net, my wife 1700.

ok then one should also talk to the bank about what they consider as equity, or is the 120k the value of the property?