How much repayment is advisable for how much net income?

4500€ net together 1400€ + additional costs repayment I work 50% and my husband receives continuous i.e. annual salary increases. I get promoted every 5 years. One child, another planned. Two cars. Both have only been working for 3 years. It's going well, but the biggest vacation is also not possible. However, we know that we have enough room for improvement

4,400,- net according to [Netto] + respective 13th salary and bonus, future minimum step increases and tariff adjustments, currently 1 child, annuity: 1,200,- (25 years full repayment loan).

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

With a home loan hanging over me, it would be too risky without occupational disability insurance...

Tendons, numbness, nerves, gout, capillaries..., organs can also get sick -> belly fat, diabetes... can all eventually lead to occupational disability [emoji6]

The glass can also be half full. No, seriously. A disability insurance would also be important to me, even if younger and in debt. Almost more important than life insurance. The risk of death is lower than disability, whether office work or outside.

No more than 1/3 at the beginning. Only once the house is built can you see how much space needs to be furnished and how much money can be spent on it.

30/40/50% I also keep reading over and over. Is this about the pure rate to the bank? So without additional costs of the house, utilities, etc...

It is like this... it depends, sometimes one way, sometimes another. There is simply no right or wrong. You have to live with it in the end, not the bank.

An example:
We: 2500 + 450 euros, 2× child benefits, so we have about 3300 euros, the loans are 1150 euros, plus 500 euros for additional costs for the house (insurance, charges, operating costs, reserves).

With that, we are exactly at 50% warm. And I'll tell you what... you can live with that, daycare fees, budget-conscious shopping, also sometimes from the meat counter or butcher, sometimes Tupperware, vehicle inspection or Vorwerk, vacation in the holiday apartment is still possible, but if you come around now with a second car, cruises or an expensive hobby, then you can immediately file for bankruptcy. In my opinion, that is really the absolute maximum. I wouldn’t want to have 200 euros more in burden.