Is the construction project affordable? 570 k€ loan with a 5300 € salary

I personally think the rule is total nonsense. Friends of ours have a net income of 6000 and pay an installment of 3500. They are doing great with the 2500 left over. Enough other people must also manage with that.

What I really see as a problem with you guys are the children. We will have that problem too. We chose the installment so that it should work with parental allowance or then part-time salary. Until the children arrive, we work on special repayments and after 15 years we will reconsider what installment we can then manage.

We also tell ourselves: Now pay off as much as possible, make special repayments, put money aside or save, and then when the first child comes, you just have to live a bit more "calmly" :)

Living more peacefully, tell that to my 5-month-old son at night :D

I often wonder if I have a completely different circle of friends and acquaintances than many here. I often read that with children the belt has to be tightened, etc., but with all the people with children I know (including us) the costs have simply shifted. We don’t have more costs than before. They are just allocated differently now :D. How it will look in the future remains to be seen. Especially with children, the lever between "everything new" and "second hand" is very large. A small example:
Today we are picking up a bike trailer for 2 children. 3 years old and slight signs of use. New price with all accessories €1,200. We are paying €310 for it now. That’s how it is with pretty much all purchases for children.
You only have to do without financial commitments if it feels like sacrifice. You have saved very well so far, so the money didn’t just come out of nowhere.

Okay, then you saved well!

But yes: "no house for 600k" is difficult nowadays, believe me...
Sure, you can say: no basement, only 120m², no frills etc... Personally, I would say: if already, then do it right! Then I'd rather save in other areas.

We don't have to fool ourselves... I always like to show friends/colleagues where they can save, because it's always claimed that there is no money left or similar.

Mobile contracts for 30€ monthly <--> for 7.99€
Phones included, new every year for 500€ <--> 150.00€ per phone - enough for me for 3-4 years

Netflix, Maxdome, Amazon Prime, Sky etc. for 70€ monthly <--> for 10.00€ just one of them

Clothes shopping monthly tens or hundreds of euros for brand clothes etc. <--> just shop at H&M and then I don't need 20 pairs of pants but maybe 4 are enough?

Food for about 600€ monthly <--> I buy groceries for 250€ monthly, maybe you can also go to a discount store instead of always running to Edeka? Sometimes you want to pay attention to nutrition, buy only environmentally friendly products etc. but buy the last crap at Edeka because you say: "At the discount store there’s only cheap stuff"

Ordering food somewhere every week for over 10€ / dish <--> I treat myself only once every 2 weeks or maybe even less

Getting a coffee and a sandwich somewhere every morning <--> bring snacks from home!! Easily 30€ difference in the week

I could go on forever... savings potential of several hundred euros without any restriction on quality of life (in my opinion)...

But this is all OFFTOPIC - SORRY! :D

You can hardly tell that you are Swabian!

Vacation pay and Christmas bonus are fixed in my IG Metall collective agreement. For my wife, the Christmas bonus is also according to TVÖD.
Therefore, I have planned the amounts and calculated them over 12 months.
The T-Zug in the IG Metall agreement and other bonuses are not included.
I read that if these payments are fixed, they can be counted as regular net income.
Shouldn’t that be done?