Land in sight, is house construction financially possible?

Besides that: it reads as quite feasible. First, buy the property with liquid funds, plan for a year what self-employment as a reliable source of income looks like for the bank. I think with self-employment, you have to go back about 3 years to be able to consider the income as secure.

Thank you for your feedback. Of course, within the legal framework, we are exploiting my self-employment in that I am currently suspending the advance payments to my association of statutory health insurance physicians and receiving the maximum parental allowance rate while continuing to work <32 hours per week in parallel, which means I will generate less revenue this year. Can a tax advisor extrapolate this for the bank regarding parental leave, or can the bank handle something like this?

Then I would model how much you would earn as an employee.

As an employee in the clinic, I would earn significantly less. If my wife were to substantially increase her part-time work, we would end up at the same salary as now. However, a contract doctor position is rather a "safe bet" of self-employment, the demand from those with statutory insurance is high, the positions are deliberately scarce, and I have a waiting list of about a year... it's probably my tendency to worry a bit more than usual.

, the seats are deliberately scarce, I have a waiting list of about a year..

Then I would consider and calculate as a Plan B a house with an apartment and practice (3-4 treatment rooms), possibly in 2-3 years. Or in the meantime, see if something like that comes on the market due to a successor situation.

Then I would consider and calculate as Plan B a house with an apartment and practice (3-4 treatment rooms), possibly in 2-3 years. Or in the meantime see if something like that comes on the market due to succession

My office is in the neighboring town (different supply area), deliberately chosen because I don’t want patients to see me and my children at any festivals. In psychotherapy maybe something different than in general medicine or so.

Then I would consider and calculate as plan B a house with an apartment and practice (3-4 treatment rooms), possibly in 2-3 years. Or in the meantime see if something like that comes on the market due to succession

For God's sake.... A psychotherapeutic practice in your own house. What a thought

In psychotherapy maybe something different than in general medicine or so.

Isn't it rather the other way around, that patients look for their psychotherapist somewhere else than where they live?

For God's sake.... A psychotherapeutic practice in one's own house. What an idea

I have it like this and it works great. I work partly in a regionally well-known group practice and partly at home. Patients mostly don't care (main thing is easily accessible) and some prefer the large practice, others are glad to be received in an inconspicuous, personal setting. It's probably a matter of taste. But nowhere near as absurd as you imagine.