Is financing feasible? Single-family house 155 sqm

But as I said... It is definitely also my fault that I respond to every comment directly here. I just had something different in mind and expected other opinions/information on this instead of fundamental discussions about the salary

Exactly, all of that is added on top

We have calculated everything with the current A10 salary! Everything that comes in addition is also a benefit.

Thus, we always calculate our current salaries regarding the financing and the €1,600 is also calculated based on the current situation.
But I have never claimed otherwise

I was actually accused here of calculating with much more. It was simply about whether €1,600 with a salary could still be manageable later on, for example, and whether we are not overburdening ourselves too much with this.

Well then, if you think it fits - let's go.

(It is misleading to state this salary increase in the initial post, it simply creates the impression that this benefit is definitely included.)

I don't fully understand what you wanted to hear anyway if you are so sure - but if it just made you even more sure now, all the better.

Well then, if you think it fits - let's go.

(It is misleading to mention this salary increase in the opening post, it simply gives the impression that this benefit is fixedly included.)

I don't fully understand what you wanted to hear, since you are so sure anyway - but if it only led to you being even more sure now, all the better.

Yes, to some extent it probably did lead to that, that's fine, thank you

Somehow that doesn't fit

since we are currently also in financing negotiations and both are very security-conscious, we are still somewhat unsure whether we can manage the monthly repayment.

not together with this here:

But yes, it will probably ultimately come down to a repayment of €1,600 during the "difficult" times. We would definitely have to manage that. Maybe it is possible to adjust it to €1,400 for a certain period, but more than that is probably not feasible easily.

Certainly not very security-conscious – nor risky – but you are by no means the first here to see yourself as "something quite special." No offense meant, just an observation

Additionally, as the consultant stated: 5% of his clients actually make use of the special repayment... And yes, we definitely belong to the 5%.

That remains to be seen as well I also counted myself among the 5% in advance, but the first and second year of the loan simply does not allow it, as the construction is not yet completed, many additional costs have arisen, and at the latest with moving in, numerous expensive items have to be purchased, such as garden furniture. Not everything is predictable and things always turn out differently than expected.

To highlight a positive example. We are now in the second year and have used the special repayment in full twice. And if it were allowed, we would have repaid even more. It depends on the attitude. I'd rather make a special repayment than buy a new car even though the old one isn't broken yet. I estimate the OP similarly. It is similar with my sister and also with some acquaintances. I am really surprised that so many people apparently do not take advantage of the special repayments. In the circle of friends and family, the attitude is different. But I guess it also depends on what parents instilled in you.