How expensive can the property be?

1) That is also the plan, that she takes a side job as soon as possible. In that sense, we have my 1.5k and her 600-800 euros from the side job available for repayment. 2) The area is Lower Bavaria 3) early repayment is not worthwhile since the repayment is interest-free and I get nothing forgiven

1) I would have 1,500 euros available freely (after deducting all fixed costs, insurance, car, electricity, ...) Why should the rate then be so low? I was already thinking about 1k - 1.3k .. 2) and what about the option of full financing? 3) I was thinking about 350k and in our rural area that should not be a problem, it will cost at most 400k here including land.

1) seems a bit pessimistic, doesn't it? 2) and what about the option of full financing? I am a civil servant and have about 1.5k available monthly. 1,000 - 1,200 would be a possible rate

1) you are right, but the repayment has already started, which means early repayment does not lead to any forgiveness for me

If you have 1,500€ available freely and only save 30,000€ own capital you only save for 20 months?? Why so pessimistic? Because you have no buffer for possible follow-up financing. The margin for you guys is very, very tight

1) I would have 1,500 euros at my disposal (after deducting all fixed costs, insurance, car, electricity, ...) So why should the installment be so low? I had already calculated 1k - 1.3k..

Because a) you will definitely spend more (vacations, clothes, child, kindergarten, etc. - what does your household budget specifically say?) and b) the bank calculates living expenses between 1,300 and 1,600€ for that income plus retirement provisions, etc. Then your 1,300€ installment + 400€ additional costs come on top. That means you are currently not creditworthy. With the wife's salary it's better.

2) and what about the option of full financing? I am a civil servant and have about 1.5k per month at my disposal. 1,000 - 1,200 would be a possible installment

Creditworthiness too poor. Not even assets available after the purchase of the land (these go towards additional costs, the rest is offset with the Bafög loan). And I already said something about the installment. With full financing most banks require more than 2% repayment - for that you also get a bad rate. Calculate with a 4% annuity = 330€ per 1,000€ loan.

3) early repayment is not worthwhile because of interest-free repayment and I get nothing waived

Not worthwhile, not true, because you yourself write...

I still have to repay a Bafög student loan, a total of 8,000 euros, monthly 130 EUR.

This means in reverse: You invest 8,000 € to immediately and sustainably increase your household surplus by 130 €. For 130 € you currently get about 40,000 € more loan from the bank. So why not repay immediately?

Don't understand why some people want to build their own grave or jail at all costs.

2) and what about the full financing option? I am a civil servant and have about 1.5k available monthly. 1,000 - 1,200 would be a possible installment

Why desperately look for options? A house is expensive... without equity anyway... hardly affordable with only one salary. For me, it starts at 4000€ to even consider it. However, there are different constellations (equity, child benefit, other circumstances) that make many things possible. Here at 3100, I don't see it. 100,000 for the land, 320,000 for the house with basement, 50,000 for everything else... as a sole earner, you won't get a loan. Not even as a civil servant. That status is outdated. And let's just take your assumed 1200, plus additional costs of 300€, and then whole items like daycare, children’s expenses, your clothing, advertising costs, new purchases, reserves... vacations are supposed to happen too...

And how many children will there be then? One or two children? You speak of a "baby," but the baby will become an expensive toddler, a schoolchild, and then a teenager with a smartphone and "Hilfiger sneakers"... your calculation doesn't work out. I also don't understand how nowadays one can not work at all. Does your wife have no employment relationship except with you? To each their own, but then only rent or an apartment remains.

If there is no building obligation on the property, it has your dream location and such properties are rare on the market, then you can buy it initially and pay it off within 5 years with your desired rate of 1500 euros. Then, if a second child arrives soon, your wife can go back to work and you have the property as equity and can fully take off.