Own property right from the start? A beginner needs straight talk...

Great how analytically you can grasp that. Applause..

and Since you two once argued about your cars, you haven't gotten along well anymore. Otherwise, Steffen has apparently clarified his ambiguous post, so it would be better to focus on the answer to the OP. Enjoy your meal.

You can of course always refer to that, but I am not resentful about it

Indicate the €80,000 as equity or collateral. If you then finance an additional €400,000, you will end up, for example, with a round 1.4% nominal interest rate over 10 years. You can take the risk of a shorter fixed interest period based on your situation. The rate will be around €1,500, and then you will be done in 27 years. If you retire in 23 years, the €1,500 will "not be that much money" anymore due to inflation. You can also afford an interest rate increase of 2% or more; at least, you won’t have to declare insolvency yet. I don’t see this with rose-colored glasses. Our situation was very similar when we made the decision recently.

a monthly savings rate of €1400 is included in that...

when you look at radio/film and television and see what kind of houses some people live in (who earn significantly less than me), I am amazed. how do they manage it: top house, top car, good clothes etc..
to get ahead of it: this is not envy, I wish it to everyone. my question is always: why can't I afford that too, where am I miscalculating, where is my mental block? I have no debt except for a car loan, I don’t live extravagantly...

You have already given yourself the answer in your statement.
Save less, consume more...

I consider a loan of up to €400-500K still healthy under these conditions.

Hello everyone,
first of all, thank you for your answers.
Again about my numbers: my wife has registered a small business (offers fitness courses, makes about 400-500 euros per month, but is time-wise limited due to family planning)

@ f-bNO regarding fixed costs: 3800 this includes: rent, savings rate, private health insurance, car loan installment, financial support for my mother, insurances, rent + utilities, telephone
The costs for food, leisure activities, etc. are not included.
By the way, I don’t drive a Porsche, Benz or any other luxury car, nor do I go on vacation three times a year (this year 1 week cycling vacation in Mallorca...) or go to restaurants every weekend.
The 80K are invested in equity funds and participations in medium-sized companies (currently going quite well)

I will take up the pen again and recalculate.
When it comes to finances, I’m a bit old-fashioned. That means I actually don’t like loans. Either I can afford something or I save up until I have the necessary amount. (With the car I made the only exception.. oops. I also always need a certain "safety cushion" in my checking account at the end of the month. Otherwise, I sleep badly. I’ve only ever overdrawn my account once (by 50 €) in my life. As I said, quite old-fashioned.

Despite everything, thank you very much for your honest answers...