Own home - Planning the property / Financing with income ok?

With a semi-detached house, you generally save a bit - and that is the plot of land. That cannot be said here.

However, I do not believe that when moving into your own house you necessarily need to buy all new furniture and kitchen. You can very well take your old things with you, for example, we didn’t buy anything new at all.

I totally agree with you, we also took a lot with us (including the kitchen). But even then we needed a few thousand here and there.

I had inquired at the furniture store about expanding the kitchen with an additional corner cabinet, a new countertop, and an extra tall cabinet. Aside from the fact that the program was no longer available, the three pieces were more expensive than the entire kitchen including appliances. I then built the corner cabinet myself *veryproud*. I ordered the kitchen countertop with a corner extension including a depth extension for the window from the hardware store and fitted it myself, and we left out the additional cabinet. We also added new finishing strips. That still came to about €700.

Before, we had a very small bathroom. There was only room for a base cabinet, which now sits in the guest bathroom. So, for the new bathroom, we also needed new furniture. And of course, the newly created children’s room had to be furnished. Then there were many shelves for the created storage space. It wasn’t possible for us to avoid investing in furniture either.

We also took some lamps with us, but there we needed a few extras as well, and you can spend quite a bit of money there too.

I completely agree with you, we also took a lot with us (including the kitchen). But even there we needed one or two thousand more.

I had inquired at the furniture store about our kitchen because of an additional corner cabinet, a new countertop, and an extra tall cabinet to expand the kitchen. Apart from the fact that the program was no longer available, the 3 parts were more expensive than the entire kitchen including the appliances. I then built the corner cabinet myself *veryproud*. I ordered the kitchen countertop around the corner including a depth extension for the window from the DIY store and installed it myself, and we left out the extra cabinet. New finishing strips were added as well. That still amounted to about 700€.

Before, we had a very small bathroom. There was only room for a base cabinet, which now stands in the guest bathroom. So for the new bathroom, we also needed new furniture. And of course, the newly created children's room had to be furnished. Then many shelves were added for the created storage space. We also couldn’t avoid investing in furniture.

We also took some lamps, but even there we needed a few extras and you can lose a considerable amount of money there as well.

We can gladly debate the sense and nonsense. Especially with a 300k plot of land and no money for a kitchen :) That’s just ridiculous..

We can gladly argue about sense and nonsense. Especially with a 300k plot and no money for a kitchen :) That's just silly..

Sure. In general, semi-detached house plots are about 400m² in size. For detached houses, you should have at least 500m². (also depending on the type of house) I don't understand how anyone can come up with the idea of building a semi-detached house on 1000m².

In my opinion, you can afford at most half. Your income is far too low and then there is also a significant amount of equity. Does the offer really come from a bank or just from an online calculator? Under 2% repayment with a low income is a sure path to insolvency.

[*]additional cost for land: €300k (incl. ancillary costs)
[*]equity €60k

So where is there no equity? The land already includes ancillary costs.

Loan-to-value ratio is fine; but I think the costs for the house are set too low.