Is buying a house at all possible with our income?

- 27 and 33 years old
- he, permanently employed in the field of web development part-time, €1,800 net
- she, permanently employed as a project manager, full-time, €1,800 net
- he also works freelance, income fluctuates, averages €1,000 net
- we both have to repay BAföG or student loans
- our monthly expenses are about €2,000
- we want to have 1 child someday

Hello, with this income it will not be a problem after you have organized your finances on the expense side. Very important: get rid of your car loan as soon as possible, banks view such consumer loans very critically compared to student loans, as these are considered an investment. Also determine how high your rent payments would be with a greater housing need due to the addition of one or two children, consider future rent developments, and you will approach the repayment rate of a mortgage loan. Buying a house definitely pays off, provided there is a suitable property and a joint locally based future plan.

Very important: get rid of your car loan as soon as possible, banks view such consumer loans very critically

I cannot confirm this statement from my experience. We obtained a similarly large loan (full financing) completely without problems, despite a car loan (also €300/month), currently only one salary, and that one temporary.
Based on our internet research, we expected to encounter problems when looking for a loan, but that was not the case.

I cannot confirm this statement from my experience. We obtained a similarly high loan (full financing) completely without problems, despite a car loan (also €300/month), currently only one income and that with a fixed-term contract. According to our internet research, we expected to encounter problems when looking for a loan, but that was not the case.

Same for me, car loan with installment of the mentioned amount, one income, fixed-term employment contract, similar amount (90% financing). It was completely uncritical as long as the household budget added up.

I cannot confirm this statement from my experience. We got a similarly high loan (full financing) completely without problems, despite a car loan (also €300/month), currently only one income, and that one temporary.
According to our internet research, we expected to encounter problems when looking for a loan, but that was not the case.

Same for me, car loan with installment of the mentioned amount, one income, temporary employment contract, similar sum (90% financing). It was seen completely uncritically as long as the household calculation added up.

How much is the net income?
How high is the annuity?
And how long is the fixed term?
Which financier is so "relaxed"?

How much is the net amount? How high is the annuity? And how long is the fixed term? Which financer is so "lenient" there?

The fixed-term contract still ran for just under a year at the time of the loan inquiry with a net amount of just under €3000... we were with our red house bank

Fixed-term contracts are indeed no longer a deal-breaker today; existing credit agreements – as long as the bank's household calculation adds up – never were.

DSL Bank, Ing.Ing-Diba, the savings banks and also the Commerzbank no longer have any problems with these prerequisites and with these banks you also more than well cover the best offer options regarding interest rates.

Also, it is – without considering sensibility, rather the representability – no longer the biggest problem with good income to obtain a positive credit approval, or to bring one about, with loans without equity capital over or with externally financed equity capital (e.g. Hanseatic Bank with a subordinated loan without land registry entry and for a term of 15 years).

It’s all an individual consideration, also accepting that consumers wish and claim for themselves an individual consideration of their own financial situation.