Is financing a single-family house feasible for us?

And you also have to have a little understanding for my wife. Somehow, you didn’t study only to then feel like you can’t afford anything at all.
Much smaller house than her parents’ house, much smaller plot, and then not even the garage is included anymore. That’s really frustrating.

A degree today is nothing more than a mandatory + extended training. Most still become clerks and occupy positions where formerly secondary school graduates with training would have been employed. Just look at the number of high school graduates per year.
Two workplaces at home + civil servant = teacher? You get a great salary for the degree if you’re not specifically in STEM fields. Social educators or Germanists certainly earn significantly less.

A degree today is nothing more than a mandatory + extended training. Most still become clerks and sit in positions where in the past secondary school graduates with training would have been employed.

Now it's getting wild. It is rather the case that "mindless" tasks are increasingly dying out. Example civil service: for the middle service you needed no degree before and you need none today. They are mostly assistants. There are fewer and fewer of them.
Simple service (secondary general school diploma) is practically extinct. Still a few messengers and drivers here and there. But not significantly.

The thread starter + wife are doing very well financially. One only feels very poor very quickly when building a house. That is a sector where prices have grown disproportionately in recent decades.

But ask your parents if they could have just afforded a flight to the other side of the world. Or a huge TV, washing machine, and 5 pairs of new shoes all at once.

A degree today is nothing more than a mandatory + extended training. Most still end up as clerks and sit in positions where in the past secondary school graduates with vocational training would have been employed. Just look at the number of high school graduates per year.
Two workplaces at home + civil servant = teacher? You get a great salary for the degree, unless you are heading towards STEM fields. Social educators or Germanists certainly earn significantly less.

I simply have home office days as a civil servant.
My wife really studied to become a high school teacher, but is now retraining to become a primary school teacher because, despite good grades, the chances of employment are unfortunately not really given.

It’s not like we’re wishing for anything unusual... We have 340 sqm of land in the countryside and are building an 8x10m house without luxury features like a conservatory, bay window, dormers, solar panels, fireplace, balcony, or ventilation system.
If we paint the garage, the "luxury" cellar stays for now.
And that we also have to watch what is still affordable, I have understood as well.

We have 340 sqm of land

For many people in metropolitan areas, for example, just the plot of land is unaffordable and a dream come true, so cry a little quieter

I often feel the same way as you do and I am annoyed by the situation. The farmers and landowners have become very wealthy without even setting foot outside the door. Everyone else has to bite the bullet. I mean, in our region it has come to the point that dual earners with very good jobs can no longer afford a large apartment!! Owning a house is out of the question anyway. Unless you are willing to take out >600k. But that can't be paid off by retirement if family planning is added.

My parents were able to completely pay off a really large and beautifully equipped house within 20 years on one salary; during that time we regularly went on vacation and also had nice cars. We had to watch the money, but by no means gave up everything.

But complaining doesn't help, you have to consider how to make money. In my opinion, the only way now is through trading securities. Saving hasn’t worked for a long time.

So I do understand the wife of the topic creator as well. I am also sometimes frustrated :-(
But yes, complaining doesn't help of course.

: I think one will have to take more risk with the loan amount.
Friends of ours with a net income of 6k are looking for a townhouse in Munich with a total volume (so absolutely everything included) up to the amount of 1.3 million.
For example, there are some nice newly built townhouses in Nymphenburg for that.
And it is actually possible to finance that.
They have about 400k equity. Loan amount would be 900k. The bank offered them 1% for 15 years. That way it’s paid off with a rate of 3000 in 30 years.
We also have the rate of 3000. I see no problem getting along well with the remaining 3000 in life, and the salary does not get lower anyway.
The interest rate risk after 15 years still exists, but by then you earn more, the children are old enough for full-time or you have inherited or something else...
Unemployment is quite unlikely for them as a civil servant and an IT specialist.
It is only over if one can no longer work due to illness.