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

I can understand your dilemma well, almost all my friends are now in their early 30s, both earning well, usually already have one child and the desire to move to the outskirts or the nearby surroundings of Munich. The salary is good in itself and the parents can often contribute a little or promise an inheritance, but nowadays the sums are simply such that many then drop out out of fear of debt and either continue renting or move far away. On the other hand, I don’t see how your house in Wolfrathshausen should lose any value in the next 10-20 years, the area is just extremely sought after and neither Lake Starnberg nor the mountains will disappear or offer less recreational value, so I think if I were you I’d be the type to say “now or never and if it goes wrong, we’ll almost certainly come out with an increase in value and can still pay the prepayment penalty, the move and the then more expensive rent.” What was said earlier is definitely true as well, we are even building in the city ourselves and still drive a 15-year-old VW Polo, often shop at Aldi and our gyms cost €29.99 and €49.99, so you can live normally in Munich just like anywhere else. But you can also pay €16 for a glass of wine and find a pork schnitzel for over €20. However, if you live in the city for a longer time, you know like all other locals where to go if you want to “treat yourself today” and where not. For me personally, the house project would be over if vacation became extremely limited or impossible or if the children looked stupid on every class trip because the money just wasn’t enough anymore. Then I’d rather enjoy life to the fullest with a good stock portfolio and give the children a good financial cushion.

In one month we are finally moving into our own home, then it's only 250 km :cool:

So you drive 100 km to work every day (one way). That would be lost/wasted time for me, for example. We moved from Berlin (beautiful apartment) to a village (prefabricated building) so that I have more time for family, and my commute shrank from 1:15 hours to 8 minutes. Convert the time into €. You could probably pay for the house in cash in 30 years then :-)

So you drive 100 km to work every day (one way). For me, that would be lost/wasted time. We moved from Berlin (beautiful apartment) to a village (prefabricated building) so that I have more time for family, and my commute shrank from 1:15 hours to 8 minutes. Convert the time into €. You can probably pay for the house in cash in 30 years :)

Have you already read what I wrote? ;)
AT THE MOMENT it is 1,000 km approximately per week. Sometimes only 800 km.
In July we are moving into our own home, the location of which was chosen according to the criteria you just mentioned.
THEN it will only be a maximum of 250 km per week, so 25 km one way.

250 km per week would already be a massive restriction on my quality of life - but everyone to their own taste

If you live in a rural area, and not in unaffordable (where we would be back on the topic) metropolitan regions, then that is a normal commute. If someone can’t/don’t want to come to terms with that, then they just choose option B: high real estate prices. It is also possible in rural areas that both partners can quickly bike to work, but that is rather the exception. Or you are a farmer :p

Option C: Inherit :) e.g. a nice little house in the [Münchener Osten] :)