Is financing a single-family house feasible? Start house construction end of 2023

Mobility costs: Currently 1 car

[*]Insurance: €33 monthly
[*]Fuel: €70 monthly

Will it remain at one car at the new place of residence and with children who have to go to daycare and elsewhere?
What about the costs of the car itself? It may be that the car is currently paid off, but eventually a new one will be needed. What about regular costs like garage, tires, taxes, etc.?

Overall, it should fit alright. Someone already said quite fittingly: If not you, then who?

Indeed, the calculation with fuel costs and insurance is quite naive. But even if we assume 3,000 EUR "net remainder" after deducting all costs... we don't have more than that, with 2 children, rather less. People... 3,000 EUR net, after deducting all costs... what are we even discussing here?

you can normally depreciate 2% of the property value and interest on rental and leasing.

from completion as of 2023 even 3% depreciation annually and 4x 5% special depreciation

this can make the granny flat quickly worthwhile for tax purposes…

Indeed, the calculation with fuel costs and insurance is quite naive. But even if we assume 3,000 EUR "net remainder" after deducting all costs... we don't have more than that, with 2 children, rather less. People... 3,000 EUR net, after deducting all costs... what are we even discussing here?

I agree... many people don't have that, I find the conditions already quite good. Even if 1/2 children come.

one more thing about the granny flat. With that income and renting to relatives, the tax office actually pays for it. You just have to keep all costs separate from the start. When grandma is gone, it’s easy to rent it out to students, weekend commuters, etc.

I think there are no students in the village. Only a lonely man/woman, divorced or without children. I still think it’s risky. The apartment could be empty without grandma. On top of that, you still have to pay tax on the rental income.

There are also young people in the village who no longer want to live with their parents. However, of course, you cannot demand the prices of a big city.