How much repayment is advisable for how much net income?

30/40/50%

The question is how many euros remain in absolute terms after deducting the xx %. Someone who has 10,000 euros net can certainly allocate 60% for the annuity. Someone with 1,500 net would likely struggle with 30% for housing. Therefore, percentage figures are a tricky matter in this context.

We moved into our new building at the end of August 17 and pay €1400 per month. We had a combined net income of €4300 + bonus (1.3 salaries, not guaranteed but paid every year so far) + company car.
In October our son was born and my wife is now taking 12 months of parental leave and I also took 2 months of parental leave. As a result, our income is reduced to about €3700 plus child benefit.
From November this year our son will go to the day care mother. Then my wife will work 30 hours again; with an almost similar salary as before full-time, since she moves up one pay grade and there was a wage increase. Childcare is paid by my employer.
So far we are managing very well.

I believe it always depends on what you dare to do and how willing to take risks you are. The willingness to take risks mainly targets the long fixed interest period. If you believe and are also sure that you will repay the same amount in 15 years, then 50% of the net income including ancillary costs is possible.

We, for example, have agreed on a repayment of 3%, which amounts to 1600€ over 20 years, plus ancillary costs of about 400€. With a salary currently of 5250€ net, this is manageable. My wife will also increase her hours from April (about 200€ more than mentioned above).

My risk lies in the fact that the salary is distributed as 3450€ to 2000€, meaning if I become unemployed for years... it will be more than difficult to manage life.

To minimize the risk, we have taken out decreasing life insurance policies and, of course, disability insurance [BU].

But there is always a risk when financing a property.
Life is worry-free when renting. That also has many advantages.

We now also have an RLV (both). However, in my opinion, a BU doesn't make sense for a desk job worker. I work in insurance. The bigger challenge is unemployment when, like me, you work in the private sector and haven’t trained as an office clerk, but something more exotic.

We now also have an RLV (both). However, in my opinion, a disability insurance makes no sense for a desk worker. I work at an insurance company.

The bigger challenge is unemployment when you work in the private sector like me and haven’t exactly trained as an office clerk, but something exotic.

But there are so many eventualities: back, nervous system, eyes... And above all: the main cause of disability is mental illness as far as I know.

With a home financing commitment on my back, it would be too risky without disability insurance...