Is buying property now sensible? Experiences?

Where do the 7k€ (!) go every month? Do you have children, if yes, how many?

In general, I wouldn't even consider the income. However, you have relatively little equity compared to the income - but perhaps the income has only existed for a short time. What, in my opinion, does not fit is the fear of a high loan installment with a low savings rate of 2,500€. So either you save a good amount and try to reduce the loan installment with as much equity as possible, or you accept the installment you have to pay for the loan. With that income, both options should be no problem.

Where does this number come from? Thought about it yourself, bank? What is the respective age? Because actually with the: here: much more should be possible and then much more would also be possible in the overall financing.

Certainly, mathematically and practically more installments are possible, but we are still planning for offspring. And I prefer to calculate with some buffer in the months and without future salary increases. Both of us are 33 years old. I calculated the 460 TEUR with a flat 4% interest and 2% repayment. Therefore, always keeping the target rate of 2.8 TEUR in mind. For the land, about 1,100€ would be due monthly from now on. The remaining provider of 1,700€ is then available for the house at the (assumed) conditions. Hope that was somehow still understandable.

In general, I wouldn't even think about the income. However, measured against the income, you have quite little equity - but maybe the income has only existed for a short time.
What, in my opinion, doesn’t fit, however, is the fear of a high loan installment with a low savings rate of €2,500. So either you save well and try to reduce the loan installment with as much equity as possible, or you accept the installment you have to pay for the loan. With that income, both options should not be a problem.

The income has only existed for 2 years. Due to various circumstances (without impact on financing etc.), my partner is unfortunately practically starting again with 0 EUR equity.

I also think that you should just do it now.

With a calculatory 6% capital service per month, you pay €500 per month per €100,000 loan to the bank. With a (quite low) target rate of €2,500, that is a €500k loan, plus your equity. So you actually have more money available. During the construction phase, you will continue to be able to save equity, which can also be used for subsequent things like the kitchen and outdoor facilities.

Would you like to explain to us why you want to wait until 2025? What do you hope to gain from waiting? You will also continue to pay rent, and construction costs will probably not decrease, at most stagnate.

And generally: Why can’t you set aside more money monthly?

Where do the 7k€ (!) go every month? Do you have children, if yes, how many?

Hi. No sorry, that came across a bit unclear in my explanation. I would describe our expenses so far as "normal". We pay 2.5k EUR for rent (including heating).