Correct, she doesn't pay anything for the house financing but the fridge also has to be stocked a little bit, etc. Otherwise, it would be like an all-inclusive vacation.
she would, if we were still together and living there, of course contribute to the household expenses but would have nothing to do with the house itself
Then I misunderstood, sorry. But if she does not contribute anything to the house, I see, as already mentioned, your income (2,600€) for the loan installment + ancillary costs (about 50%) as too low. If, as intended, a child is added, it will become even tighter. In addition, as I wrote, I see the construction costs as higher. Regards
