Single-family house: Is the rate realistic? How much house can we afford?

... I suppose a court usher is more likely to have a portafilter .. and besides a suitable work surface, it doesn't require any special features in the kitchen.

Regarding 1:
But the existing coffee machine might perhaps require additional kitchen cabinets or special modifications, and then it gets more expensive again with the kitchen builder.

Regarding 2:
There are definitely some people who have a rather small house and park a really big car in front of it. My favorite example is a Panamera in front of a terraced house or a V8 Touareg in front of a semi-detached house. It's just a matter of personal needs assessment.

Boy, boy, what a source of positive energy you are. It's hardly bearable. I hope you built with a basement, then you can go there to laugh...

There are definitely some people who have a rather small house and park a really big car in front of it. My favorite example is a Panamera in front of a terraced house or a V8 Touareg in front of a semi-detached house. It's just a matter of personal needs assessment.

Well, here you can certainly spend 900k to a million for an older terraced house, where the Touareg is then the smaller luxury. And in Germany there are even more expensive areas than Konstanz (although not too many). Regarding commuting: kilometers are one thing, time and traffic another. I originally come from the countryside where a lot of driving is done. But it's not too bad as long as you don't have to go cyclically through any bottlenecks. I would always prefer a 30 km drive with fairly free traffic over a 10 km commute through a big city. Sometimes you can also avoid traffic well by driving a little earlier or later. If I drive to the construction site before work, they are stuck going the other way. If I’m finished shortly after 8, I get stuck in traffic on the way back. If I drive back 20 minutes later, I’m just behind the wave and relaxed in the office in 40 minutes. Regarding ETFs: Do you want to use the capital? Then it would really be worth considering whether to withdraw at least part of it. The prices have already dropped quite a bit, but drops of 40-50% also occur more frequently. So there is still room to fall.

I really get tears in my eyes when I look at the R-tables and the deductions in StKl 3 – and then look at my payslip.

Well, enough crying, let’s get to the point: What exactly are you discussing here? That a judge "in a small Lower Saxony village" can build a house above standard? Seriously? Take a look at the tables and these numbers are really reliable, unlike many (senior) employees in industry & commerce. There is always the possibility that they might be “disposed of” at short notice if the situation calls for it.

The young lady is obviously highly educated as well, so she won’t have to take a job as a hairdresser. In a few years, 7k on the clock is easily achievable and the 2.5k installment is absolutely within limits. For completeness, if we add additional costs of 0.5k, there are still 4k left to live on in the Lower Saxony village. Worse things could happen, I would say. Sure, in the first few years you might have to tighten your *** a bit more but so what, it will pass.

Boy, oh boy, what a source of positive energy you are. It's hardly bearable. I hope you built with a basement, then you can go there to laugh...

I just came from there :)
But I can gladly post a picture of the Panamera in front of the terraced house......

Fiancée? That means you plan to have an expensive wedding sometime?
Commuting is less annoying with a "good car," with 30 km an electric car would be a very good option....

The wedding is taking place next year, 50% is already paid, and the remaining 50% is generously covered by our parents.
A "good" car is in the eye of the beholder. For me, an Opel Astra is a good car. Maybe an electric car someday. Just accept my opinion on it, after all, it’s about my assessment of my financing...

Regarding 1:
But the existing coffee machine might require extra kitchen cabinets or special adjustments, and then it gets more expensive again with the kitchen builder.

What nonsense, sorry. What kind of coffee machine do you have in mind that you'd have to build the whole kitchen around it? :D At the moment, the machine and grinder are on the kitchen island from Ikea for €299. :D

Regarding 2:
There are quite a few people who have a rather small house and park a really big car in front of it. My favorite example is a Panamera in front of a terraced house or a V8 Touareg in front of a semi-detached house. It's just a personal needs assessment.

Nice examples, which have absolutely zero to do with my posts here in the forum...