Semi-detached house (130 sqm) in South Bavaria financing

I stand by it! 30% of the income also applies in the "crazy areas". Maybe even more there than in the "normal" areas, because everything else is also disproportionately expensive.

The 30% can be achieved at will by reducing the repayment, which I also find too high in the current calculation.

Clothing 100 euros for 4 people?

The second shoe from the pair is always available the following month. :D What is supposed to be bought now with 100 EUR is also a mystery to me - also far from M.

The 30% can be achieved arbitrarily by reducing the repayment, which I also find too high in the current calculation.

Basically correct. However, the term is (theoretically) 51 years, repayment 1.4% with 2300 EUR ANU. So that’s obviously not going to work.

This is a new building. If I imagine what you can get, for example, in the Stuttgart area for about half the money and additionally would have to be spent on renovation, the above-mentioned price already seems almost normal to cheap again.

Google: "Central living! Cozy terraced house near subway with sunny garden in Stuttgart-East"

I looked at it. Here, dreamers are at work after all. They will never get rid of that junk for the money. Photos are from March 2018. :D

Yes, it is simply nice in the south of Munich. Here, economic strength comes together with beautiful nature and quality of life. That was also the case for me during the 5 years in Switzerland. Back then, I also looked for apartments to buy in Lucerne. Around 700k CHF for 60m2 2-room built in 1995 (and without lake or Pilatus view). I would reduce the repayment and keep the option of adjusting the repayment or making significant extra repayments. As a teacher, there are regular salary increases; in the industry, being around 40 is a good age for new career levels, which helps in the future. Inflation with corresponding collective wage increases also comes on top. The "buffer" is the 400k€ that one might possibly inherit. Since the parents have already contributed part of the equity, they will probably also help if an unplanned special expense occurs, meaning the house will not immediately end up in foreclosure. In the worst case, selling and buying "something smaller." The biggest risk would be a massive price decline in real estate in the Munich area. That can of course happen, but what is the probability?

I checked it out. Here we have dreamers at work after all. They will never get rid of that junk for that money. Photos are from March 2018. :D

That is also cool ... We work as verification brokers according to § 652 Building Code. That means we do not have to be present at property inspections. It is sufficient if the interested party has access to the property.