Is a 180 sqm house feasible for 300,000 EUR?

With a longer economically stable self-employment, financing a house is completely unproblematic. Neither the bank nor the borrower worries about anything.

I see it the same way. Unfortunately, the thread creator has not managed to build up any equity within 12 years of self-employment with a very high income. He simply consumed the money. For rent. As a consultant working nationwide in Germany, he could have lived out in the sticks, where there are no daycare costs, rent is cheap and even the rice pudding is 20 cents cheaper than in Munich. But he deliberately chose Munich with €2,600 rent! Just spent all the money. (I excluded the woman’s circumstances, he hasn’t written about that yet.)

Also problematic is that the professional future of the thread creator might not be so rosy anymore. Although he is in a good environment, does one still earn well at 50+? Or 60+ as a self-employed consultant who depends on intermediaries? Won’t one eventually be sorted out because of age, just like someone looking for a job at 50+? Anyway, he has to work highly paid to pay off the house, but the salary could even go down in the future. Normally I know these consulting professions in the way that one hoards money when young and eventually makes a break. Those who don’t succeed end up burnt out.

The longer I think about it, the more I want to advise to buy a small, cheapest existing property.

The longer I think about it, the more I want to advise @frodo78 to buy a small, cheapest existing property.

If I could see into the same crystal ball as you, then I might come to the same conclusion. I neither have the information nor the mandate to give advice. Financing without equity is usually a bit more expensive. However, it can certainly be obtained with the appropriate additional documents.

I agree. Unfortunately, the thread creator has not managed to build up any equity in 12 years of self-employment with a very high income. He has simply spent the money.

Could you please quote the part where the OP talks about his 12 years of self-employment? Is it really too much to ask to read the posts properly before commenting here?

I referred to that in the text. @Machi33: First read posts completely yourself!

Is it really too much to properly read the posts before ranting here?

You should ask yourself that question: you overlooked it in post #17.

I referred to that in the text. @Machi33: First read posts completely yourself!

He is only saying that he has been in the business for 12 years, not that he has been self-employed in the business for 12 years.

Edit: But if he really has been successfully self-employed for 12 years, then you are of course somehow right with your statement ( ).