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

Thank you very much! Always nice to read such kind words. I also think that with just creating the garden, small things in the house, family planning, birthdays, and simply enjoying what we have accomplished in between—not to mention being so busy with the actual job—any new technical device will surely rank very, very low on the priority list...

Interaction of space and furniture, ... :)

And please don't forget lighting, it can really set great accents. However, professional lighting design (which really exists) can be quite costly, but you can get a pretty good understanding of the topic of lux and kelvin by reading up on it....

Dear people, another laugh from the basement: ;) The secret is to plan in such a way that the severance hopefully associated with the "disposal" is at least enough to take the property out of the loan.....

Acquaintances thought the same, who were employed at AEG and Quelle at that time, but there was.... exactly nothing! I'm not even talking about Solarworld yet.

Man, you keep annoying me with your remarks...

Today even "DIE WELT" is annoying ;) Under the title "Now real estate becomes a privilege of the upper class" there is an absolutely fitting article on the topic behind the paywall: What does the author think of the 1/3 rule regarding net income for the monthly installment: "Anything beyond that I consider reckless"

Acquaintances who worked at AEG and Quelle back then thought the same, but there was....exactly nothing! I'm not even talking about Solarworld.

"Planning" doesn't mean "succeeding" either. Sometimes you just have bad luck......

Today even "DIE WELT" is annoying ;) Under the title "Now real estate becomes a privilege of the upper class" there is an absolutely fitting article on the topic behind the paywall: What does the author think of the 1/3 rule regarding net income for the monthly payment: "I consider anything beyond that reckless"

I would like to put that into perspective a bit or describe it from my point of view. In this forum, max. 40% of household net income has often been mentioned in the past. That is possible from my point of view as well, but the first two or three years are relatively tough and it gets easier with every salary increase. From my point of view, one problem is that many financings are done on a razor’s edge without any buffer built in. Then they talk about wanting children in a few years; income loss due to parental leave and possibly subsequent part-time work by one or both partners is not planned. In combination with a short interest rate lock, this can quickly lead to financial bottlenecks. Another problem with existing real estate is, from my point of view, the misconception that renovations can be stretched out bit by bit over years to reduce the financing amount. Where is the money supposed to come from, for example, for a garage if everything is already tight? How is the money supposed to be saved? Another problem is that often only the pure loan installment is considered and not the other costs, which can potentially be higher in a home than previously in rent. In conversations with our neighbors and friends, I have recently repeatedly heard that they now have gas costs between 250 and 350 euros for their houses (old buildings from the 1980s or older)...

A garden in particular is a "money pit" that one didn't have before. And then, at some point, quite expensive desires arise for a playhouse, a tool shed, a bench here, a raised bed there, etc.