Interest rate development current situation. Build now or wait?

What would be your maximum budget according to the broker?

A broker once said that you should calculate 100 times your net income and that this amount would usually be the maximum loan amount or the point at which the bank starts to feel uneasy.

The whole thing adds up with various pieces of furniture that you gradually buy in the first few years, garden tools that you need, etc., and the monthly budget has to cover that as well.

We did the outdoor facilities on the slope ourselves, that’s not for everyone.

In the first year, nothing, just fixed small things ourselves and installed a gate in the garage.

In the second year, the wall about 50 meters with stairs, 8000 euros material.
In the third year, the driveway with terrace slabs, 5000 euros material.

We rented an excavator together with the neighbor. Or had the one from the neighboring construction site do something quickly for 20 euros tip.

Then small things like a garbage shed, flat roof sealing for the garage, and so on.
Now in the fifth year, stainless steel railing with glass for the outside stairs, before that only provisional made of wood, and all of that was paid for with savings.

They can usually be maintained by one person alone - they are also cheaper for the party with the children than an apartment.

I can't imagine that in many cases - only if there is a lot of goodwill involved. In the typical 10-year-old, not fully paid-off houses, one of the two partners usually has to be bought out. And with 100% "value growth" and a market value of perhaps €800,000 for a single-family house, where only €200,000 (out of €400,000) remains on the mortgage, quite substantial sums arise for the partner who continues to use it.

A broker once said that you should calculate 100 times your net income and that this amount is usually the maximum loan amount or the point at which the bank starts to feel uneasy.

This is a typical rule of thumb. It was recently often mentioned as 110*household net income, but the more conservative variant is certainly more sensible. Perhaps banks are already becoming more cautious in this regard.

Of course, you can do a lot yourself on the outdoor facilities, that's what we plan to do as well. But the material costs cannot be neglected.

That's true – but the labor costs for having it done are even more so. The choice is between expensive and extremely expensive.. ;)
But it has already been mentioned here that this is a luxury area; whoever wants everything now & immediately, without effort, simply needs money. However, it can also be spread out over time and with reduced expectations.

I can't imagine that in many cases – only if there is a lot of goodwill involved. In the typical 10-year-old houses that are not yet paid off, one of the two partners usually has to be bought out. And with 100% "value increase" and a market value of maybe €800,000 for a single-family house, where only €200,000 (out of €400,000) is still outstanding on the financing, quite substantial sums arise for the partner who continues to use it.

In theory, you are right. In reality, it usually looks like this: the husband (the breadwinner) moves into a small apartment, the mother stays in the house with the children, the man pays well (support for the children plus support for the still-wife, as long as the separation exists – no divorce), and that way the house is maintained. The divorce often takes a while because when money is involved, much is delayed. Meanwhile, there are new partners who later come to terms with the house. This is a bit of a cliché but still true for the largest percentage. At least that’s my experience in acquaintances. Divorce houses often, if there are (still) no children, but then there is often enough capital for one to keep the house. In our neighborhood, as far as I know, there were 3 separations, where in two cases the house was kept by one person. Only one was sold. However, that had a good value, just under €600,000 on a leasehold property, at least listed as such and also calculated by me (160 sqm Viebrockhaus plus double garage plus expensive conservatory etc).