How much income do we need for our home loan?

Of course, I've already calculated how long it will take me to pay off at which monthly rate. That's why I say if everything goes perfectly, I'd like to be done in 10 years. Realistically, it'll probably be 15.

We are not self-employed, but permanently employed in IT and in the finance sector. However, we work flexibly from home office and after our move, mostly work from home office in the future.

I work The 5000 for a new car of course we have as a reserve. I did not count that as equity. We wanted to leave about 8k for everything that comes up off schedule.. car broken, washing machine broken, etc. Regarding reliability, I have to tell you that we always drove our cars until they no longer passed the TÜV and they were still always reliable. Neither of us has ever broken down or anything like that. We are not self-employed, but are permanently employed in IT and in the finance sector. But flexibly active in the home office and in the future predominantly active in the home office after our move. Sure, I've already calculated how long I pay off which monthly rate. That's why I say if everything runs perfectly, I would like to be done in 10 years. Realistically, it will be more like 15. Yes, we will get concrete offers made. The ideal plot of land came much faster than expected. I thought we would have to search much longer.

Let's assume the mentioned 500k, then 10 years is not only unrealistic, but simply impossible with your income or how do you want to manage around 4.7k installments without additional costs? Even 15 years still seems relatively unrealistic to me, unless the income increases significantly and quickly. With a partner working part-time, it becomes even more unrealistic.

and what other goals do you have?
It was a joke!

Just take a normal rate of maybe €2,500 with an interest rate fixed for 10 or 15 years and make special repayments as much as you can and want. If you really have money like hay, you can pay off the remaining amount in one go after 10 years. Don’t worry too much about it, but I think signing a 15-year full repayment now is nonsense. Just take it easy and that’s it.