So I think you have a decent income. That’s good to start with. You are young, you have no children, and your expenses are still manageable. Ideal conditions to save properly. However, the expense side seems very low to me. At 120€ for RVS, I get suspicious. Also, 200€ for all other insurances seems way too little. I am not a fan of insuring yourself against every little thing. But at the latest when you have a house and the loan hanging over you, you should insure yourself properly; and a decent disability insurance and life insurances cost a lot of money every month. With a high loan amount, these protections are very important in my view. So that’s really little, especially when you consider what you earn. Also, 300€ for food... I think that’s not realistic if you write it down meticulously. I think if you continue to save consistently for a while (1-2 years? I’m not an expert on that) and keep a household budget just as consistently, you will get a good sense of what is possible. At the same time, you can start to inform yourself more about building or buying a house, insurances, subsidies, etc. And I think it’s not wrong to reconsider whether it really has to be such an expensive house. And yes, I find 600,000 very expensive. You can build a decent house for less. But that is just my personal opinion. I myself would never take out more loan than really necessary. You simply sleep better if you don’t finance at the limit. Because even if you insure yourself well, things can quickly get tight if someone is out (illness, death, divorce, whatever) and you are then left on your own – especially if children have come along by then. So I don’t see this as negatively as some others, but I agree with those who say that a house for 600,000 is simply too expensive or too risky for you. Lower your sights a bit, save properly and calculate carefully, insure properly, and I think then you can build or buy a house in good conscience. Just for comparison: we are 29 and 31 and financed 239,000€ at 28 and 30 with a household income of 3000€; the bank would have seriously given us even more, but wisely we only financed what was absolutely necessary (we renovated an old building), and the rest we took from equity and whatever was not finished then, we have been finishing little by little from our current income for a year now. We now pay off 1050€ per month and that is already quite tough – however, after I graduate soon, my salary will be added, then we will have about 1000-2000€ more per month (we have 2 children; so I have to see how many hours I can work since the children are still relatively small). That I would soon complete my studies was already clear at the time of financing, and only for that reason did we finance so much. Without this knowledge in the background, we wouldn’t have done it. As it is now, you can do it for a while, but there is simply almost nothing left for luxury things like vacations, and that is not nice in the long run.