Is building/buying a house feasible?

Okay understood. How much are you currently paying in repayment for the apartment, if I may ask?

Currently, the monthly repayment for the apartment is €226. Our interest rate is still above 4%. The fixed interest period (10 years) is currently expiring, so we now have to consider whether to continue financing and stay living here, or to switch and sell.

Edit: Something else that just came to mind. The [Baukindergeld], if it actually comes, is currently only usable for us. As a basis for the income limit, the average of the last 2 years will probably be used. Currently, due to parental leave in the last two years, we fall below this limit.

If we were to buy in 2 years, we would no longer receive the subsidy because the standard salary exceeds the limit.

Are you sure about that? I guess you guys have between 90k and 100k gross. The limit for taxable income is 90k (1 child). That is still below that. So it could still work.

Overall, including special payments, etc., we are just over 110,000. Then advertising costs, etc., need to be deducted. But we probably won't manage to get below 90k. Especially since salaries are still increasing. (evtl. durch Stellenwechsel ja bereits nächstes Jahr)

so dass wir bei 605.880 Euro landen.

Again for the dumb (me : ) ~610k€ then everything would be paid off?

Insgesamt Würden also 170.000 Euro zur Verfügung stehen.

That makes a financing of: 440k€
for me that's 440/610 = 0.72 = 72% financing
that should be around ~1.8% over 20 years.
Of course you can hold back money, but then the interest quickly goes up to 2.2% over 20 years.
Checked again: about 1330€/month

But I'm not a bank : )

regards

I'm not sure that no additional costs, hidden costs from you, will arise. This is certainly an offer from the internet: it can happen that a general contractor wants to build on a plot of land reserved by him, but the client, that is you, still has to bear the ancillary construction costs. Do you have an ID number and the portal or some key data so that one can take a look at it?