Is it still possible to optimize construction financing?

That I don’t think much of your calculation with only one salary, I have already mentioned. This statement will not be of any use to the bank. (Provided that both of you become homeowners and borrowers) What is personally too little for me is the point vacation/leisure. We only built the house under the condition that at least one vacation is still possible. Now everyone has a somewhat different idea of vacation. When I take a vacation, I want to go away and not just spend 14 days on the terrace. That might be possible for 1-2 years, but not permanently. Besides, there are other leisure activities as well. The €50 monthly would therefore be too little for me permanently. Now comes the big BUT. If I assume your two salaries, you earn almost the same per year as we do. With the full-time job, it would even be more. If your girlfriend doesn’t throw the money out the window, that should easily be enough for the €150K loan, even if it might be a bit tight in the first years during the further training. We have a somewhat higher loan and are three people and the money is still enough. So don’t worry. That should work.

We have now created the second overview; I had also mentioned that my main concern was whether the list is complete. I can attach it this evening; I don’t have it on hand right now. Unfortunately, her financial situation according to this calculation is not very good. With the 30-hour position, she earns about €100 less per month but has the following additional expenses:

[*]Fuel money is higher because of 30 km to work (one way)
[*]€400/month training costs over 5 years (even if it takes longer, she only pays for 5 years)
[*]€250/month repayment of private loan (car purchase). Total €10,000

With the lower income and the above additional expenses, she is unfortunately deeply in the red. A little saving here and there on her leisure expenses and starting the repayment of the private loan later could at least bring her to break even. However, I suspect that this would lead to misunderstandings in the family if we buy a house and the car is not yet paid off. Against this background, we are currently considering whether she should possibly take out an education loan for the training. However, I suspect that we are not in a particularly good position with the bank because of this. Oh yes: Why is this statement of no use to the bank? They surely want to see appropriate proof, don’t they? All in all, the project now seems a bit too ambitious (at least within the next three years). I am inclined to suspect that we should wait until the end of the training. On the other hand, there are the low interest rates—who knows what it will look like in 5 years?

Against this background, we are currently considering whether she might take out an education loan for further training. However, I suspect that this does not put us in a particularly good position with the bank.

Is there perhaps Meister-BAföG or something similar?

oh yes: Why doesn't this statement help the bank? They surely want to see appropriate evidence, right?

But they only want the statement from both of you.

All in all, the project now seems a bit too ambitious to me (at least within the next three years). I am inclined to think that we should wait until the end of the further training. Of course, the low interest rates speak against this – who knows what it will look like in 5 years?

That was what I meant when I wrote in one of the first posts, "First get both of you settled in the job." Sure, interest rates could be higher in 5 years. But then the bubble in house prices might just as well have burst and house prices could have fallen.

Make a complete list of expenses for both of you. Everything else is nonsense. How you then divide the expenses between yourselves is your business.

PS: How do you intend to manage this strict division of your expenses once there are children?

PS.: How are you going to handle this strict separation of your expenses once you have children?

I always wonder about that too, especially with couples who have very different salaries. One goes on vacation to Australia - the other to the quarry lake.

What do you think about the plan? Especially about saving the 15,000€ in such a short time. Feasible? Realistic? If not: Where could something still be changed/optimized?

In my opinion, you should clarify your internal relationship first before you want to buy a house together (get married?). If you want to buy alone, that also has to be coordinated with your girlfriend. --> This doesn't belong here, you need to sort it out among yourselves.

By the way, I am also from Magdeburg . Good luck with the house search! If you find the right property, I would strike, waiting is, in my opinion, not worth it. At the same time, you should only buy if the property really fits. Considering the equity, it should be commission-free.