Is it still possible to optimize construction financing?

If your expenses are okay, then you would have 700 € left every month, then you would have your 15000 € together in 2 years. I just don’t believe that these are all the costs. Where is the money for repairs/new tires for your car+ motorcycle. What will you finance a replacement purchase from. Life insurance/disability insurance already taken out?

Those are good tips. I need to check how much people typically set aside per month for car expenses. That escaped me. Do you have an idea of how much is usually set aside per month? Life insurance or [BU] is out of the question for health reasons (no insurance would accept me), but I have adjusted my accident insurance accordingly.

Banks always prefer two borrowers. There is also no reason to leave your girlfriend out, because the bank doesn't care how much comes from whom... meaning: you don't have to repay the loan 50/50, but as you agree. They add salary a and b together, and that is simply more than just salary a, so you then have better chances and opportunities with the financial service providers.

At 31, one should already know what they want - only your girlfriend's future plans, when she finishes her training, could deviate and not align with a property... ...

If you are 31 and make such plans without much equity, you should ask yourself why you impose on yourself the obligation to have everything paid off by 60. Whom are you pleasing with what?

I once read at ADAC that a mid-range car with a mileage of about 20,000 km per year costs around €400 per month for everything. (Fuel, tax, insurance, and depreciation/replacement)

In principle, you would probably find banks that would support the project (as long as the numbers add up) with only your salary. Nevertheless, I agree with ypg that you will have more options with 2 borrowers. Why not?

The problem is that you are calculating incorrectly. You are a community and live together, which means that even if only you become a borrower, all expenses (including those of your girlfriend/wife) will still be taken into account. Therefore, it makes no sense to list only your expenses.

Life insurance or occupational disability insurance is out of the question for health reasons (no insurance would accept me)

At this point, you should at least consider what happens if you are no longer able to work.

Otherwise (as almost always) of course the question of family planning. Have you thought about that?

In principle, you would probably find banks that would support the project (as long as the numbers are correct) even with only your salary. Nevertheless, I see it like ypg, that you will have more options with 2 borrowers. Why not?

The problem is that you are calculating incorrectly. You are a community and live together, i.e., even if only you become the borrower, all expenses (including those of your girlfriend/wife) will still be taken into account. Therefore, it doesn’t make sense to list only your expenses.

At this point, you should at least consider what happens if you can no longer work.

Otherwise (as almost always) there is of course the question of family planning. Have you thought about that?

These are good thoughts. For example, I was not aware that both salaries would be considered, even if I WOULD only be paying. Then we still need to do an exact cash check there.

Regarding children planning. Of course, it is planned, but we can save an extreme amount on clothes, furniture, and so on because the family is big and there are already many children. In addition, my employer provides a daycare spot. Of course, a child still costs money, but the period when it gets a bit "tight" is only while the further qualification takes place; afterwards, she will also get a pay raise, and she will land at at least €2500 (collective agreement, salaries are already fixed).

As for the car, €400 sounds doable, especially since I already included half of that in my calculation. So that would be an additional €200.

All in all, all of this still seems to be within the budget, right?