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

Well, I thank you for the numerous replies here.

To answer various questions:

Do you work as a master baker or operations manager?
For a master baker, I find €2,600 net after one year impressively high.

I work as a master baker but would like to move more into management; however, this is currently neither necessary nor possible in this company.

Keep in mind that a granny flat does not automatically mean additional income. There is vacancy, missed rent payments, maintenance, etc...

I am very well aware of that.
I had thought about allocating the generated rent for expenses like taxes, maintenance, and special repayments.

If you come from an entrepreneurial family, then you also know that as a tenant you get a service for your money and the rent does not make your landlord rich, rather the profit comes after 20 years of yield,...
...
For me, it all reads as if your idea of ownership is currently a byproduct of the upcoming separation story...

I don’t know if I mentioned it, but in the current rental apartment absolutely nothing is done by the landlords, and if so, only so that it functions again.
I know from neighbors that the landlords rely on the money and make their living from it...

The separation story surely also contributes to this, but as I said, the idea of owning property, or "ownership," has been playing a role for me for quite some time (over three years).

Regarding the last comment:
Pink cloud land? Do I actually think so wrongly and miscalculate so extremely in your eyes?
Where exactly do you see the mental block?

My only block that concerns me is why buy a condominium to save money (the condo still has to be paid for), to be able to buy a house later.

Aside from whether one wants to meet a new pearl and still wants more children at all --> I love my child above all before any assumptions come up.

Leaving aside whether you want to meet a new pearl and if you want more children at all --> I love my child above all, before any accusations come

What does a new relationship have to do with the love for your child?

Your mistake is that it is not YOU who determines how much you need as an individual for living expenses, but the bank has a fixed table value for that. And thus you are excluded as the sole borrower.
But that is also mentioned somewhere in this thread.

Then I will try to get an appointment with my bank, where hopefully they can tell me a bit and maybe even calculate something. You definitely brought me down a bit with my train of thoughts again, which isn’t a bad thing before you get lost for life.

Then I will try to get an appointment at my bank, where hopefully they can tell me a bit and maybe even calculate something. You definitely brought me back down a bit with my train of thought, which is not a bad thing before you get lost in it for a lifetime

Good idea. Go to the bank and say you have no equity, want to finance alone, and need >300k€. You realize yourself that sounds absurd, right?

A bank appointment is always good

Go to the financial advisor on Niedersten Street - I can recommend him. There you can get a first overview of how much credit you can "healthily" manage.

I consider 400 euros for living expenses to be unrealistic ... food, fuel, insurance, clothing, mobile phone, savings for a car, etc... It adds up.

The real estate market in ATT and Olpe is mercilessly scoured - unless you want to go to Neuenhof (and ask yourself why there are so many houses for sale there), I would plan a lot of time with a limited budget.
You also have to expect a backlog of investments at this price level - so plan additional money for modernization.