House search - Construction and purchase of single-family house / granny flat

Comprehension question: Your parents have separated and you want to put them together in the granny flat for care in old age?

Question for understanding: Your parents have separated and you want to put them together in the granny flat in old age for care?

especially since he won't be considered anyway with that salary....

Attendorn would indeed be among the options, but as you already said, prices there are relatively high.

Of course, I would also consider nearby locations, but rather less so those where absolutely nothing is going on.

Yes, I have taken additional costs of owning a property into account and plan or calculate around €500 monthly in addition to the repayment of €1000.

I have also considered all other costs that I incur monthly, including possible maintenance costs. My girlfriend does not receive anything from me, as she is employed full-time herself.

Let's assume my stated €2800, say it's a bad month just to minimize the risk and say €2600
-€1000 repayment
-€500 additional costs
-€500 maintenance (currently it would be around €300)
-€400 ongoing costs & living expenses

= €2400

Of course, I could account for several points here even higher to have enough buffer, but I am already calculating with a minimum adjusted income of €2600.

If talks with the bank show that I might not be able to afford this, would it make sense to consider a repayment of €700-800?! Sensible or rather not?

I have a very good overview of my costs and also know what I have to pay for what.
My partner handles money somewhat differently, which also caused conflicts and we separated the joint account again.

I was simply brought up differently with money through an entrepreneurial family.

Question for understanding: Your parents have separated and you want to put them together in the granny flat in old age for care?

Well, not my parents together, as I said, these are thoughts that occupy me.
Neither of my parents is senile or anything like that at the moment.

My father has his own real estate (five of which I know) is entrepreneurially active in craftsmanship and does not lead a bad life.

My mother, on the other hand, is a simple employee and, due to years of working in the company, did not have an official regular income, but that should not be relevant here, these are other issues.

In principle, I just want to, if possible, generate some capital through a granny flat by special repayment or something similar, consequently through renting, but also to have the security to be there for my own family someday if it should be necessary.

Are you working as a master baker or operations manager?
For a master baker, I find 2,600 net after one year impressively much.

Nevertheless, for an individual who has maintenance obligations, it might be somewhat little for your wishes.
How about first buying a condominium to save equity and then looking for a house again in 5-10 years?

Also keep in mind that a granny flat does not automatically mean additional income. There can be vacancy, missed rent payments, maintenance, etc. I see you quickly going into the red if something goes wrong. The costs that the house incurs because of a granny flat you also have to recoup first...