Is home financing possible with our resources?

Thank you very much in advance for the numerous responses.

So we are a man and a woman

Of course it is true that we are still relatively young and something could change in family planning. However, it is the case that we both work in leadership positions and neither of us is willing to give that up. We both have several employees under us and really enjoy what we do.
It is a personal decision.
But as Haydee already wrote, if things should turn out differently, a room used - for whatever reason - can be repurposed.

Regarding the ancillary construction costs, some services can be covered through my professional activity. Exactly what will be possible remains to be seen.
However, my main concern was to get your opinion on our general financial scope and how it has gone for you based on your experience.

By the way, the salary is divided into 2000 (net) from her and 2800 (net) from me. Salary increases are definitely possible and also in prospect.

All good. Just build. Your repayment expectations are good. Whether children come or not is irrelevant. You won't become much poorer because of it either. It doesn't make sense to pay off the house quickly and have nothing left from life. In this respect, your idea is exactly right.

Oh, your house price fits with the own contributions you indicated. Maybe 10-20k more. Remember that the materials also have to be paid for.

Of course, it is true that we are still relatively young and something could change regarding family planning. However, the fact is that we both work in leadership positions and neither of us is willing to give that up. We both have several employees under us and great enjoyment in what we do.

Children and leadership positions are no longer mutually exclusive criteria in this century.
(Expressed extremely: the employment ban with maternity protection ends eight weeks after birth.)

If the position in the company is secured in the coming years, a longer parental leave is no longer a bogeyman that you have to fear losing your job over. This is carried out within the framework of legal regulations and that's it.

Also, the fun at work can suddenly vanish overnight with new supervisors, and then children suddenly become an interesting alternative.

It's easy. And you can definitely pay 280k including [Baunebenkosten] for 150 sqm in good standard, even if zaba and associates scream loudly because they paid more, since what must not be cannot be. Without [Außen Anlage] mind you, because there's no limit there.

The biological clock also ticks eventually. But whatever, it doesn't have to be the last house. However, given the low land values, I would take a look at existing properties. In such structurally weak regions, a new build suffers from a similar depreciation as a new car. Bargains should be possible there.

Thank you very much for the helpful comments. When it really gets started, I will probably post in other subforums as well. Until then, many thanks for now.