Shortly before the completion of the financing

About 40% should be deducted from the bonus at your income level. More is hardly possible.

you forget the social security contributions

you forget the social insurances

Taxes were mentioned, and with a premium of that amount, I assumed an income above the threshold.

Eh alles Wurscht, at the end of the year do the tax return then either pay or receive the balance

Nice discussion... unfortunately still don't know what the OP wants to take on... or did he just want to introduce his household budget? "Hello, I am Herbert and this is my household budget [die Hannelore]"

Nice discussion... unfortunately I still don't know what the OP wants to take on... or did he just want to present his household budget? "Hello, I'm Herbert and this is my household budget Hannelore"

Had to smile, I agree with you. I think the OP is just at the beginning of the journey and wants to know roughly what he can afford, also compared to others. I'll give him a comparison: 2 full earners, about 7k net per month (+ commissions), we wouldn't really dare more than a 2k installment on a long-term basis, even with kids.

Since that would inversely mean that no one earning less than €6,000 net could build, I'll throw the bold hypothesis into the room that the cost of living is highly individual ;)