Maximum loan amount based on our monthly burden

Thanks for the assessment. Sometimes life plays nice tricks on you. Work-wise, we had imagined it differently. Nicely ambiguous, as we are really looking forward to our child. Parenting is certainly not easy. But there is hardly anything my wife and I can't handle, as long as we can influence it. I've realized that over the past few years.

So, now we already have two opinions on the loan. 300,000 and 400,000 euros. No one would go higher?

Hello,

the initial question about the possible loan amount is quite understandable, but I would like to throw in the following thought: What would you have to pay for a plot of land (standard land value) where you want to build, how large would your minimum requirement for a plot be, and how many square meters of living space will you need at least due to children, working from home, and so on. From that, you can roughly estimate plus or minus 20,000 EUR what funds you basically need.

Based on this value, I would discuss it with a lender.

Best regards

Do you trust yourself to raise the children alone?