Make everyone happy - Purchase contract

I currently earn €2600 net, she earns €2200 net. That makes a total of €4800. Both of us are, of course, in tax class 1. However, she is unskilled. I have a company car, but that has already been deducted. We have no debts, no unnecessary contracts. But we have lived quite well in recent years, traveled a lot. I am aware that the belt will have to be tightened in the next few years. But despite all that: even €3700 together here in NRW (not in Düsseldorf or Cologne) is not little money. After deducting the monthly installment, additional costs, all current fixed costs such as mobile phone contract or DSL, living expenses, etc., we would still have over €1700 left. And even if children come, we are not really in a bad financial position. Even if she only worked part-time. I think...

Thanks for the numbers. Basically, you’re right, €3700 (if your girlfriend goes to university) is not little, but you also want to finance €400k. Depending on the repayment rate, about €1800-2000 can go towards the installment and monthly additional house costs (such as electricity, water, insurances (household, building, etc., etc.) on that. If I now assume €2000, there are still €1700 left for the rest. minus, - Food (flat rate €100 per week?) - Does she have a car? What about gasoline, taxes, insurance, repairs? - Clothing? - Vacations? - Insurances? Disability insurance? Life insurance? - Other contracts - Pocket money? Canteen? Café or going out in the evening? - Personal purchases, technology, gifts, etc. - Provisions for the house - Saving and setting aside That is more than just a tight squeeze! Just thinking about the payments we had in the last 6 months after moving into the house (i.e. actual ongoing costs from the upper areas without consumption). In total, it was almost €3000 that unexpectedly came in like that. You can’t handle that with €3700 on a €400k loan. My guess is more that one year after moving in you will realize that without her entire salary financially balanced living will not work. Children is a different matter. That only gets expensive from the time childcare comes into play. But I don’t want to lecture you! Take it if you want as food for thought.