That may be, but in my understanding, that must always be seen in relation to the planned construction costs. And at the moment, I still lack the feeling of how much budget is realistically affordable for us.
My general impression is that here about 100 times the monthly income is considered the "moral limit" for the financing amount; below that is a no-go, above it you can start to think. The bank does its calculation and sees if it’s enough. Beyond that: I myself know best what I spend my money on. Therefore, I can also better than the bank say how much I regularly have left over. For that, I have been keeping a household budget book for 20 years. For example, no one asked me about unusually expensive hobbies; I have to be careful myself to factor those expenses in. And from what’s left over, you have to cover the installment, all additional costs, and still need a free budget for anything else that may arise. This is where personal need for security also comes in. How much leeway do you need to feel comfortable? You have to answer these questions yourselves. Then you find your (maximum) installment and from that the (maximum) financing amount. But I also see it this way: if not you, then who? Civil servants, very good income in the region, and the above-mentioned ratio easily met.