How much repayment is advisable for how much net income?

It is the same with us, my wife is self-employed and a lot is also reinvested into the business.

However, that does not belong to the available household net income.

It is the same with us, my wife is self-employed and a lot is also reinvested into the business. Also, when I look at insurance and other payments, this large amount quickly melts away.

But we don’t have to complain, that’s for sure!

Conclusion: Repayment ALWAYS has to be viewed individually in the context of the entire financial/family situation and determined on a case-by-case basis, possibly with the help of advice. There are also offerings from the consumer advice center if you are unsure. They advise more independently than banks.

The “melting away” in self-employment has to be deducted again, of course. But you are in a good position as dual earners to still be able to make good special repayments. It looks completely different when children are on the way. Use the time

That is why financing must always be viewed individually.

Here in the forum, only those who move within the income range defined by the regular users may speak freely. This range is extremely narrow, usually defined by their own income with little tolerance. If you earn less, you are attacked as self-destructive because you still dare to start the homeownership project. Magnanimously, you are advised to first save up about twenty years of equity and are assumed to have a mandatory desire for at least two children, no matter what you say.

If you earn more, you are disconnected

That's exactly how it is! I'm hardly allowed to comment on anything anymore... but I hardly do anymore anyway. It's really gotten too stupid for me.

Too bad for the operator... his advertisers need users/visitors like me just as much!

, I often take something away from your posts and find them sometimes really valuable. However, one should not generalize your situation.

Good morning everyone.
I have been a silent reader in this forum for several years. I always find it very interesting and above all informative. Especially when it comes to what you can afford.
I am someone who values security above everything and accordingly I think a lot.
Currently, we have a monthly net income of €4200-€4500 available. Married, 1 child, and currently the sole earner, as my wife is on parental leave. [Kindergeld] and [Elterngeld] are not included.

We currently pay €1200 rent and are happy if the house construction works out this year. At the end of the month, we can still put about €1500 aside. Overall, I now have a pretty good gut feeling that the house construction will work with the money available to us. Without us having to go hungry.