Household income relative to the financing amount

Well, 5800 net, 2000 saved, 1700 fixed costs = 2100€ spent every month with 2 people. Are you in the [pkv] and is that already taken into account? Children cost money, a lot of money. Just as a side note. I don't know if the construction costs will be enough. Definitely want to make additional repayments again for the [Rubrik]. Automotive sales assistant means fluctuating income? So think everything through carefully and calculate seriously. We had cases here in the forum, 3 people and 3800 net with 48,000 equity.

Thank you very much for your feedback.

Unfortunately, the building envelope does not allow for more than 122 sqm, so we are bound by that.

We, or rather I, am not in a private health insurance and my income is fixed. The 2,100 euros per month we have spent in the last 3 years on travel etc. However, I have to say that I did not include groceries/eating out in the fixed costs.

Thank you very much for your feedback.

Unfortunately, the building plot only allows for more than 122 sqm, so we are bound to that.

We or rather I am not in private health insurance and my income is fixed. We have spent the 2,100 euros per month on travel etc. over the last 3 years. Although I have to say that I did not include groceries/eating out in the fixed costs

I understand about food and drugstore. Still, 2,100 is ambitious. Especially since you then have fixed costs just from financing plus all the additional costs. That means 2,000 just for the house is gone.

5,800 euros net - 2,000 euros house (1,650 euros installment and 350 euros additional costs) = 3,800 euros.

Of course, we can no longer save 2,000 euros with children, but don't you think that should be enough? As I said, we are willing to make sacrifices for the homeownership project. Even if my wife receives parental allowance, we should not go below 5,000 euros.

What would be, in your opinion, an income for such a project, or conversely, what would be an appropriate installment?

Well, you are ready for it. Why should I talk you out of it. 470k and 200k remaining debt. A lot has to work out. Parental allowance is used to calculate the tax rate. Child benefit is not enough for the child, the costs are significantly higher. Especially when vacations come into play. Your wife will surely also reduce her working hours. As I said, high risk. We have 4 people with 5500 net and only 200k left to pay. We are glad we don't have to make special repayments. Life has become expensive. Especially vacations.

Parental allowance is used to calculate the tax rate.

Yes, that is also income (and then it is actually taxed). This means that PA is significantly more favorably treated for tax purposes than income. Honestly, I don’t understand all the fuss everyone makes about the progression proviso.