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

As I said, the aspect of pushing money into other people’s backsides also plays a big role here. That’s not how I was raised.

If you come from a family of entrepreneurs, then you also know that as a tenant you get a service in return for your money and the rent does not make your landlord rich, but the profit from the yield comes after 20 years, if you don’t have to invest money in the apartment again. The same will also affect you if you plan to have a granny flat yourself: the money goes to the bank and tax office, possibly you have to make incalculable investments as a landlord where you do not have the money. Possibly you will have rental defaults. Moreover, houses with a granny flat also cost more than a modest shack.

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

Sensible!

I have also considered all other costs that arise for me monthly, including possible maintenance costs. My girlfriend gets nothing from me as she is employed full-time herself.

Then also factor in that you might have to reduce your performance to 80% or even less. Because after all, there is a child to be cared for, and even if you pay, you will possibly be involved in the care.

To me, it all reads as if your idea of ownership is currently a byproduct of the upcoming breakup story. You are in the "divorce phase," and in that phase you have to think about future living arrangements. I don’t see ownership here yet. Just wait and see how things develop with a new partner and then plan the nest-building with her.

400€ for general living expenses seems very low to me. Food, clothing, car, insurance, maybe a vacation or going out... that is never enough. Kreis Olpe... you will need a car there, won’t you? The income is certainly quite good, but the scope for purchasing real estate is rather limited. I would look for a property that offers the space currently needed, that is also not so expensive. In that area, you can surely still move again if you need more space in 10 years. And while the search is on... save!

400€ for general living expenses seems very low to me. Food, clothing, car, insurance, maybe a vacation or going out... that will never be enough.

With the poster's income, the bank calculates using flat rates; I would guess around €1,100. Possibly even more. The background is that a lifestyle corresponding to the income is simply assumed with higher income.

Lumlair, you write that you want to buy something for the future. But you don't even know what will come. Maybe a new woman and new children soon? New job? You are still young...

Anyway, how about buying something modest and small for now, without a granny flat. Later, when you have a new partner with additional income, or whatever happens, then you buy something new and bigger and rent out the first property. I would find that much less risky than already going to your personal financing limit now.

Why is everyone beating around the bush all the time? €2,800 net minus alimony. You all know that these wishes of the OP (and that without any equity) do not exist, not even in La-La land. For the loan he would get, there wouldn’t even be 150 sqm without a basement, let alone a granny flat.

Why is everyone beating around the bush all the time? €2,800 net minus alimony. You all know that these wishes of the OP (and that without any equity) do not exist, not even in cloud cuckoo land. For the loan he would get, it wouldn't even be 150 sqm without a basement, let alone an granny flat.

Sometimes the truth hurts but it has to be said!