New construction - What is included in our financial budget?

Just as an example ... loan 250,000 euros and repayment 23 years:


So you get a feeling for the numbers. Here the rate would be just under 1100.00 euros.

no one cares where the money went anyway.
Only the big moralists are always around here, who believe that accumulating money is a superior human trait. You don't have to justify yourself.

He’s just asking "how much is left" or what kind of house he can afford.
Of course, that depends not only on net income, but also on many other factors like own capital and also on how one handles money.
Own capital is always a good indicator of how someone handles money, meaning how much they really save and have left.

The wide range mentioned here, 4200 and then only 2800, is of course a huge difference, showing that the original poster is not really clear on how much they have left. Therefore it is hard to say what one can and should afford with it.

I think a 1000€ installment should be quite doable for you.

That is almost certainly possible with that net income, but it’s not much.
With a 25-year term, that corresponds to only 250k€.
You won’t get a reasonable house with that (including land, ancillary costs, etc.).

So the real question is: is 1500€ also possible?
And that depends on the details.

:
So, to advise properly it has to be clear how much money is really left, including vacation, car, dining out, etc.
The building savings contract, on the other hand, counts more on the other side.

With 1000€/month you can easily finance 300000-350000 over 20 years. You don't/shouldn't fully repay. In 20 years the salary will look very different, the remaining money is worth much less.

With €1000/month you can easily finance €300,000-350,000 over 20 years. You don't have to/shouldn't fully amortize. In 20 years, the salary will look completely different, the remaining money is worth much less.

Bold claim!

Personally, I wouldn’t want to have €200,000 remaining debt shortly before retirement. But well, you can always sell then. One can only hope that the house is then still worth as much as the remaining debt.

Lumpi, a life in debt servitude. In the past, one was serfdom, which is not much different today, only the count is not called von Zitzewitz, but Commerzbank or something like that.

Right, I had overlooked that the OP only has 23 years left until retirement, of course you want to be debt-free by then.