A lot has already been said. However, some things have not yet.
slight slope).
Stay away from properties labeled as "with a slight slope." At least if it turns out that the incline is actually greater than estimated by a layperson and you have no buffer for excavation work, possibly expensive drainage, and terrain modeling.
We are unsure whether our income is sufficient. I really cannot estimate what a new build approximately costs and what the corresponding financing would look like.
There are enough current posts and threads in the construction cost subforum here dealing with current construction costs and figures. Your questions and much more will be answered by reading for 2 to 20 evenings or even longer.
I would also claim that the living expenses are calculated far too low, especially for four people 500€ per month basically "for everything" is never enough.
I agree.
[*]Warm rent 900€ (for about 105 m² apartment)
[*]Fuel 200€
[*]Electricity 75€
[*]Internet 40€
[*]Mobile phone/Digital subscriptions 25€
[*]Groceries 500€
[*]Broadcasting fee 17€
[*]Insurances 100€
[*]Total monthly expenses approx. 1900€
Where are hobbies, leisure, children, clothing, gifts, drugstore items, car repairs, saving for a new car, and other insurances included?
You should keep a household ledger with every bank transaction and receipt that occurs. Even pocket money.
The household ledger has already helped some to see more clearly.
2,300€ would theoretically be possible, but the risk is way too high. As soon as something breaks (e.g. the car), we would have a real problem.
You calculate 3,200€?
Every family should have a buffer for unforeseen events. And don't forget that you also have to pay additional costs monthly. A home loan is not a warm financing. I would definitely plan 500€ for additional costs in this crisis. On top of that, there is a risk insurance to cover the partner and children.
Theoretically correct, but how are you supposed to save for outdoor facilities and garage from what is left over in the next 10 years? Especially the first 2-3 years, you still need tons of money for all sorts of "little things."
I see that too... more will have to be spent than can be saved again.
Really a lousy situation because we are not getting younger, and at some point, the break-even point moves very far back...
Hmm, although you are not able with your salary and overall financial situation to build a 140 sqm house, correct, I see it pragmatically: you don’t always have to chase the bird in the hand that you can’t get anyway but should adjust your expectations to your position. There are plenty of houses that are affordable and not just for those who can afford a down payment of 200,000€ and/or a salary over 6,000€ plus something bigger or newer.
What needs to happen so that we can afford it?
“it”: is that the main dream house from Pinterest? Another life, a double job, inherit millions, be adopted by an older lady!?
What kind of question is that?
If you realistically assess yourself on the salary scale and just engage a bit with the property market (a look now and then at a portal, newspaper, or ebay classifieds is enough), then you basically know where the problem lies with yourself?!
For your salary, you have quite well saved equity, but just one salary, which (sorry for this wording, but a user here would say that as he studied himself) does not have "academic level."
That is no shame or anything else, nor can you do anything about your salary, but you should actually know that a second salary is necessary nowadays if you want to afford something.
I know several families for whom nothing works without a third or fourth job or a side business, even if it is only reselling American consumer goods, dietary supplements, or cosmetics.
However, I see many who have your salary level living happily in townhouses without the dream of building a house and garage.
Maybe use parental leave for further training instead of being stuck for life in the < 800 Euro segment.
That is where I would start first if you want to continue pursuing the dream of the city villa.
However, I recommend a used townhouse or semi-detached house: because that is calculable.
My rough estimate since 2022: 150 sqm house construction with "claims" without being able to do anything yourself except painting and laying floors, with paid land requires a net family salary of about 5,000€.