Savings beginner with questions about the plausibility of the "rough" plan

Are you sure about that? I had the impression that the bank does fully count media, outdoor facilities, and also static, building application, etc. Just say goodbye to the 1200 € It's that simple... 1800 € and suddenly you can build a house - and that is doable with your net income as well.

There are also banks that consider the KFW loan as equity.


0.2% less interest, 5 years longer term... That might look different.

€300,000 is not much up here.

The term personally doesn't matter much to me, as long as the monthly rate fits.
But you're right... 300K is not really much up here
That's why I said the result was "sobering."

Just say goodbye to the €1200 It's that simple... €1800 and suddenly you can build a house - and that's doable with your net income.

No no, unfortunately it's not that simple.
I'm not a lifetime civil servant, but a salesperson. So sometimes things can happen quickly

If it goes from €1200 all in to €1300 all in, that's not so bad. But €1800 is already far beyond our calculation. Because I also have to save reserves of, for example, €300 monthly. Then I would be at €2100.

We just don’t want to spend every vacation in our house until the end of our days, but also want to travel sometimes.

By reserves you mean operating costs? Alternatively – but only if you are disciplined – set the repayment rate to 2%, then €1300 will finance at least €390,000 (at 2% interest). You can cover the rest through special repayments during the time you have the money.

By reserves I meant the amount I need to set aside additionally each month in case something needs to be repaired. 1200-1300 was meant to include operating costs.

I am afraid that you will then really have to save longer, become more willing to take risks, or look for a [Gebrauchtimmobilie]. Generally, no repairs should be necessary for a new build - however, a 300 € buffer per month is quite sensible.

Yep. It will probably come down to that...

I really wonder how some couples buy a house without equity and with a salary that is lower than mine... Man man man...
But okay. We'll wait for the appointment with the advisor and then see what happens.