Is my house building plan realistic?

I think what Eve wants to say is that you should think very carefully about the 10 years. It is purely a risk assessment - especially if you want to stretch your financing over 30 years, after 10 years you will of course still have a huge mountain of debt in front of you, which you may then have to refinance too expensively for yourself.

In the case of children, you already rather knit a tight household budget, which then does not allow for that. Even a 1% interest rate increase would then mean an additional burden of €250 per month (if you are still pushing €300,000 ahead of you after 10 years) - then your children might be 6 and 8. If something unexpected happens and it is even a 2% increase, it could already break your neck.

Many companies have already gotten into trouble due to lack of liquidity despite positive equity - VW then sells Scania... you your house.

P.S.: if the interest rate is at 12%, it will probably cost most people their house even after 15 years.

Ok, now we have an income of €4500 and live in the countryside or in a small village with significantly lower living costs (the employer pays for daycare, etc.)

In your first post, the income was still €4,000.

You have such a comfortable starting position: lowest land prices, very high equity. Most people here in the forum can only dream of that. Actually, financing should be a breeze for you. Unfortunately, you ruin that right away with "min. 180 sqm, anything less is too small for two children." Personally, I can only shake my head at that. But in the countryside, it seems to be: as long as it's big, others do it that way too. I've also noticed that in a few other similar threads here.

Somehow, I also find the approach "I need X sqm" a bit strange. Is there already a room program behind it? If yes, I can more or less understand it, otherwise rather not. Then you should also be careful not to plan "generously" in a nonsensical way, creating huge circulation areas and the like...

Well, everyone is the architect of their own fortune!

In your first post it was still 4,000 € income.

You have such a comfortable starting position: lowest land prices, very high equity. Most people here in the forum can only dream of that. Actually, financing should be a piece of cake for you. Unfortunately, you ruin it immediately with "min. 180 sqm, anything less is too small for two children." Personally, I can only shake my head at that. But in rural areas it seems to apply: the main thing is big, everyone else does it that way too. I have already noticed this in a few other similar topics here.

Somehow I also find the approach "I need X sqm" a bit strange. Is there already a room program behind that? If yes, I can more or less understand it, otherwise rather not. Then you should also be careful not to plan "generously" without reason and end up with huge traffic areas and the like... .

Well, everyone is the architect of their own fortune!

Yes, the 4000 from the original thread is no longer quite correct, it’s more like 4500 €.
Regarding the house size, I don’t base it on how much others have. I grew up in a 220 sqm house, so you simply have different expectations than if you grew up in a 100 sqm apartment. You don’t want to downgrade. And two children naturally mean 2-3 children’s rooms, you need a study. The children get older, want their own bathroom, etc... That’s how 180 sqm come together...

When it comes to the size of the house, I don’t base it on how much others have. I grew up in a 220 sqm house, so you simply have different expectations than if you grew up in a 100 sqm apartment. You don’t want to downgrade. And two children simply mean 2-3 children’s rooms, you need a study. The children get older, want their own bathroom, etc... Suddenly, that adds up to 180 sqm...

That is indeed a somewhat unusual approach that I cannot understand. Neither the argument about "downgrading" nor the fact that four people need at least 180 sqm. But well: to each their own.

The problem with your argument is not the starting point. That is good, as others have already said. But: When you read your answers, you completely ignore the problem of partial income loss and higher costs. What if your wife doesn’t want or can’t work full-time anymore after receiving parental allowance? What if one of you is sick for a longer period or temporarily unemployed? Then your 4,000 or 4,500 euros quickly become "only" around 3,000 or 3,500 euros. And then, with the size of the house and the loan volume, things can quickly become tight. And these are not "worst-case" scenarios but completely realistic events that could hit you sooner than you like (experienced that myself recently).

Therefore, I can only advise you to take the concerns of the other users seriously. A house should be possible for you. But consider whether it really needs to be that big and correspondingly expensive – not just because you are used to it. And run through what happens if at least one income partially disappears for a longer time. Then the house building can work out too. Good luck!

: Thank you!

The exact financial framework will be provided by the bank.
Get advice and afterwards you will have a much better idea of how much house you can actually afford.

Everything else is speculation.

Elsewhere they say you can plan up to one-third of your salary for loan repayment, so why should one-quarter be too much for me? How much would you have to earn to repay 1170 per month? If I move into an apartment, I also pay around 1000€ for a family. I mean, I'm really grateful for the advice, but I can't quite understand it...

The difference between pure loan costs and a warm rent should be well known. In our case, this difference is 290 euros plus reserves for the house! Plus about 150 euros for telephone, cable, household insurance, and electricity. That means, besides the loan (a straight 1000), we pay 440 in ancillary costs plus 150 in reserves (low-energy row house with 160 sqm, which, by the way, could easily be smaller for four people). Our salary is also around 4500, with the wife working part-time. Honestly, less money would cause me problems because vacations and culture cost a lot, especially with children. At the latest after starting school, vacation becomes a luxury, which for us always ranked higher on the priority list than the house size. To exaggerate a bit, what's the use of a 60 sqm living room if you can't even get out of Germany on vacation?

You've received a lot of well-intentioned advice here; you should calmly sleep on it for a night or two. It's obvious that your wife should also be involved in this.