Our financial situation - Your opinion?

This is again such a useless thread here, but no one dares… :rolleyes:

Something like this: I have €10,000 at my disposal, can I buy a used car for €5,000?:D

This is another useless thread here, but no one dares... :rolleyes:

It’s about encouraging the OP a bit and giving some tips here and there on how to make things even more relaxed. For example, by increasing the term, long fixed interest period, keeping some equity to retain flexibility, adjustable rates, saving on insurance, ... And the OP could take another look at how secure the salary increases are and how high they will be. Because without those and sometimes only with one salary, the installment might otherwise get a bit tight. ;)

This is again such a useless thread here, but no one dares to... :rolleyes:

Something like: I have €10,000 at my disposal, can I buy a used car for €5,000?:D

Of course, that's a bit exaggerated, but you want to finance your amount with half the salary and that will work too. So in that sense, I also find that ridiculous. €1300 for insurances is of course by far not available to us. Retirement provision will only be the mortgage payment for the next 20 years.

This is again such a useless thread here, but no one dares...

Useless is your point of view. The discussion about home financing between partners can certainly contain emotional elements – which is also hinted at by the OP. To gain one's own arguments and one's own security here, support can definitely help.
And what is really "secure"? Some feel insecure at a financial level that seems unattainable to others. That is not bad.

1300€ for insurances are of course by far not available to us.

Such a chunk mainly sounds like overinsurance, old tariffs, cancellation forgetters (liability for a dog that’s been dead for ages, household contents of the student apartment still insured today ...).

That definitely fits. I also don’t consider €500 for additional costs to be set too low. We have that too, although our property tax is quite high and really everything (including [GEZ], [Telekom], garbage disposal, heating maintenance, chimney sweep...) is included in it.

You also have a decent buffer for all those things you only realize you need when you own a home, like gardening tools, garden furniture, furniture suitable for a bigger house, etc. You really don’t have to worry about that.

The only point is about the company car: I also have a company car and since I have a 30 KM commute each way, the amount I have to pay in taxes as a monetary benefit corresponds pretty much exactly to the amount I would have to spend maintaining my own vehicle. Just do the math to see how much it shifts net in your favor because of the company car. The gross list price of a solid A4 or something like that is not exactly low either.