How much house/apartment can or should one finance?

at least 2400 euros net at a chemical company since 1992? Are you just a janitor there? :D with 100,000 euros, a financing of 250,000 - 320,000 should be possible. I highly doubt the bank will give you more as a "single". You're not married anyway, and it doesn't come across that way.

Married is sausage. You shouldn't put yourself under more than €1000 in loan payments. However, you should then arrange for a high prepayment option... 10%.

That's how we did it, since my wife's salary is supposed to be disregarded. It is currently changing like the weather, due to maternity leave, parental leave, part-time work, then maybe parental leave again, etc... My salary, which is slightly higher than yours, then has to be enough to finance everything, treat ourselves occasionally, gradually buy new furniture, and design the outdoor area. All that costs a ton of money, which should not be neglected. And I think the next two years will still be intense.

My wife's money goes into childcare and prepayments, which currently isn't much anymore after paying the day care provider.

€100,000 equity is a good cushion, and if you go about it smartly, something nice can come out of it.

at least 2400 euros net at a chemical company since 1992? Are you just a janitor there?

wow, where do you work that you earn that much? In my circle of acquaintances, I am the top earner and I don't work in the east :D

but I said, rather minimum. The last few years it was actually always around 3000 net. Only I usually calculate without overtime, special payments, and extra shifts