What can I realistically afford as a rate?

well, I calculate with what I will have available in 2 years. the point in time when it gets interesting. and then of course with the respective interest rates, construction costs etc. from that year.

if I now add up everything we have per month, including all actual income, we would be at about 3700-3800 € per month. in the first calculation I excluded the tips. now I include them.

would it now be realistic to acquire a property together with about 3700/3800....hopefully that should work.

That can certainly work. Just won’t get you such a big house. Currently, construction costs are rising about 50 EUR per sqm per year. Add inflation of 1% and then you have your financing requirement in two years.

That is clear to us. That is why it is also an existing property. New is too much anyway. The price per square meter for the land is about €350.

In principle, you should take one step before the other. That means that the topic of children (or family planning) and marriage are settled, just like your partner's master's degree.

Otherwise, you will have problems getting something reasonable for 280,000 in two years. Detached houses especially not, and currently in North Berlin, DH and RH cost between 250,000 - 300,000 €. So this will be a bit tricky.

As far as the bare numbers of your salary are concerned, that is certainly okay. It would be important that you keep a detailed household budget in the coming months so that you have a realistic overview of expenses and income.

There are very well-earning commenters here in the forum, just orient yourself to your own life reality.

We pay off a straight 1,000 per month, compared to income in a 4-person household of 4,500 (Both are privately insured – 350.00 €). We go on vacation at least twice a year, do cultural activities, buy good groceries, and have no patches on our clothes.

My tip: Definitely increase equity, specifically look for RH and DH, but in the existing stock not older than < 15 years (early follow-up costs!), rethink one or the other position (2 cars in Berlin?!) and above all don’t rush anything (child means parental leave/ less money/ new expenses)!

This is how we want to do it. If everything goes according to plan, there should be offspring next year and parental leave would be over in 2 years. We have already seen 2 - 3 interesting properties within the presented price range. Let's see if a similar market situation exists in 2 years.

Whether I buy or rent for over 1000 euros will be decided then. However, I think the desire for a home of one's own should be possible with that income.

"Child is planned and if it works out, also the marriage."

Seriously? And then >1000 rent + at least 300 EUR additional costs. That doesn't add up. Well, you also go on vacation.. I think that's great. We do too. Especially in younger years. Plus two unpaid cars??

We are young parents (1 year) and the initial equipment cost about 8000 EUR. In addition, there are monthly costs for baby courses (swimming, music school) and soon 220 EUR for daycare. 170 EUR private health insurance for the little one also applies to us. The child benefit is peanuts. I also heard several times: small children = small costs, big children = big costs

But you can also see how demands differ, and why such threads are somewhat pointless. 8k Euros? Are you expecting octuplets?

yes, I was surprised too. since I am the godfather, I know my best friend’s initial equipment well:

combination stroller: 399
changing table: 199
baby car seat: 150
clothes etc.: personal investment at the start 200
the rest was gifts from relatives and friends anyway