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

Where is that, if the properties are so extremely expensive?

That is in the Wolfratshausen region

... phew, that's quite a chunk... so in general, I find the amount way too high compared to your household net income. You can’t seriously be spending over half your income just on the house, and with 2 small children? That land price is really something else. And to be honest, I think there are still things missing from your list... provisions for just in case (disability insurance, life insurance/risk life insurance especially with 2 small children) what would happen in the event of a separation or the death of a parent? How should that still be manageable? Then there are also things like building insurance and so on. It adds up. You keep hearing about the prices in the MUC region but I think it’s madness... and, vacation is not a necessity? Honestly, that wouldn’t be worth it to me just to be a homeowner at any cost. I would wait, expand the search area and save a bit longer, even though you’ve already built up decent equity and probably handle money well... personally, I wouldn’t be able to sleep anymore with this monthly rate...

I would rather look even further south than Wolfratshausen. Geretsried, for example. Or be patient. I have some colleagues who moved from Munich or Starnberg to Wolfratshausen in recent years, but the search took most of them a few years. And rent in the region is completely crazy. Recently, a semi-detached house with 180 sqm was offered for rent in Schäftlarn for 3800 euros cold. Without a significant garden. The property was rented out in no time. There, you compete with millionaires for a semi-detached house.

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Hi thoughtless86, thank you very much for your assessment. Basically, I also share your opinion (and that of many others here) that it is simply 200,000 to 300,000 euros too much. Maybe I really have to take the risk, decline, and just hope that another better opportunity (rent/buy) comes along, to get out of Munich and at least closer to the desired location.

I find not only the plot but also the house very expensive. You come to almost €5,000 / sqm. What is in there? Golden floors and chandeliers made of Swarovski crystals?

We are building in Brandenburg and our house of standard quality is under €2,600 / sqm.

I don’t think you can really compare our BB prices. I’m building for about €2100 with upscale standards. But the garage is included in the total costs... and the OP also has a basement plus that in the Munich metropolitan area