Mortgage installment - your opinion?

If your own work consists of painting, flooring, and some landscaping, I would not take those into account and keep them as a buffer in reserve

That is something sewn "to the edge." I would hold back some equity and lower the installment. With a €350K financing, a monthly installment of around €1K should be possible.

This is a bit "tight". I would hold back some equity and reduce the installment. With a €350K loan, a monthly installment of around €1K should be possible.

Yes, that's how I thought about it too. I also try to bring up the topic of "funding" in the bank discussions.

If your own contribution consists of painting work, flooring, and some outdoor work, I would not take that into account and keep it as a buffer in reserve

Actually, we have good family support here, but I don't know exactly how to "factor that in." For example, there is an agricultural business, an electrician, helpers for painting, wallpapering, and flooring, someone with experience in outdoor areas (including walls, etc.). I am very familiar with IT and will take care of "smarthome"-related things…

This is something sewn a bit “on the edge”. I would hold back some equity and reduce the installment. With a €350K financing, a rate of around €1K monthly should be possible.

That results in an annuity of 3.4%. But with 35, I find that quite on the lower edge again. The whole construct has to fit very well.

That results in an annuity of 3.4%. However, I find that quite on the low side at 35. The overall structure has to fit very well.

That's true, it's also an important perspective. You shouldn't already be at your income peak at 35.

You collected the numbers yourself, and the result is: it’s very tight but possible, however, there are no longer any jumps possible. If the car ever needs to be replaced (which certainly wasn’t included in last year’s calculation - or is there currently a payment)?, you’re already at a loss. I think your equity is really good, it’s almost 30%, which already provides some security.

You should realistically consider whether the woman’s income can be increased in the foreseeable future enough to generate significant surpluses – that is, freely available money that isn’t already allocated. In the current situation, you’re living only for the house and everything else no longer happens.

Family planning completed?