Prefabricated house or solid house companies - budget

bauen dürften,

I would not speak of "being allowed" but of "being able to". Affordable housing is a fundamental right; when building a detached owner-occupied single-family house, you really have to argue. You have to be able to "afford it". As harsh as that sounds now.

Reads as if you couldn't do without your salary...?

For a certain period (1-1 1/2 years) yes. We can keep the debt service under 1000€ and still be done before retirement. The question is whether you want to permanently cover living expenses including property financing with "only" the wife’s salary. For us, I would currently say "no".

The big difference compared to the time when parents built houses, in my opinion, is the very different demands of today’s builders (there are certainly exceptions).
Disposable and consumer society is one of the biggest financing killers.
Hardly anyone wants to give up their two vacations a year, the newest phone, the latest clothes, etc.
People are sometimes already looked at askance if they drive a 10-year-old car and own only 3 pairs of shoes.

By the way, I agree here with : If everyone had painted such a bleak picture in the past as many do here in the forum, those who had to save at least 1000,- a month after deducting fixed costs would probably not have been allowed to build, either then or now.

Edit: The 1000,- thing is, of course, meant exaggeratedly.

I would not speak of "may" but of "can". Affordable housing is a fundamental right

No, there is no such fundamental right. Only a general human right to housing in general, but regardless of the type and cost.

The big difference to the time when the parents built, in my opinion, were the very different demands compared to today’s builders (there are certainly exceptions). Disposable and consumer society is one of the biggest financing killers. Hardly anyone wants to give up their two vacations a year, the newest phone, the latest clothes, etc. You are sometimes already looked at askance if you drive a 10-year-old car and only own three pairs of shoes.

By the way, I agree here with : If everyone had painted such a grim picture earlier as many here in the forum who would have had to save at least €1000 per month after deducting fixed costs, certainly the majority would not have been allowed to build earlier (and even today).

Edit: The €1000 is, of course, meant exaggeratedly

But what are we even talking about here. The parents built 20 years ago. Comparing the prices from back then to today is nonsense times ten by the OP. And at least €1500 with monthly ancillary costs is also a fact. So why would anyone want to put themselves through that with €3100 without having any clue (all assumptions by the OP were wrong in the initial post)? Without children, in my opinion, about €600 net and possibly more are missing to maintain the standard. There is also no equity.

No, there is no such fundamental right.

My statement should be understood as a fundamental attitude of mind, not as an alleged factual account. Of course, there is (still) no article in the Basic Law that describes something like this in wording, but with a lot of goodwill, one can interpret quite a bit into Art. 14 para. 2.

I would not speak of "may" but of "can". Affordable housing is a fundamental right, when building a detached owner-occupied single-family house one really has to argue about it. You have to be able to "afford it". As harsh as that sounds now.

Sometimes I feel like I am writing Chinese. Of course you have to be able to afford it – where was anything else ever claimed here? This "can" in my opinion does not only come into play when you could theoretically make a living from one salary or when at the end of the month sum X remains – it is an individual question. Of course you must not lie to yourself and have to be honest with yourself – but I stick to it: If after deducting installments and ancillary costs you still have 1,600 euros a month for living and other fixed costs, then that can (!) be quite enough for a childless couple, depending on consumption behavior and personal priorities. That’s all I wanted to say, no more and no less. Would I build with this salary? No, definitely not. But am I in the OP’s shoes? Do we know the fixed costs? Do we know the consumption behavior, do we know how important building a house is to her? No. Instead, a blanket "it’s not possible" is thrown in. That rubs me the wrong way a bit.