What can I realistically afford as a rate?

I find 3800 net for 300 T € sufficient. After a 1400 € installment (5.5%) you still have 2400 € net. After additional costs (300 €), 2 cars (300 € each) and insurance for my part (300 €), there are still 1200 € left to live on. Then there is no 20-day cruise or the 5-series BMW anymore, but you can certainly manage with that...

@fresh That your partner wants to go back to work immediately after having a child is really not certain. We women like to change our minds as soon as we have our babies in our arms --> could be, but I know her and she loves her job. For the upcoming property, she will also have to make sacrifices. We'll see.

The plan now is: finish the master’s, carry out child planning, simultaneously save equity, and around 2017 see if something is possible. In advance, still need a 6 in the lottery.

I find your income for purchasing an existing property up to a maximum of 300,000 euros absolutely okay!

I bought a house with my ex 8 years ago. During the construction phase, we separated. With a net income of 1,550 euros (at that time single without a child and without a car) and an interest rate of 5.01%, I managed nearly 150,000 euros on my own. We also had 100% financing.

At first, I paid off 1% and when my husband joined, we increased the repayment to the highest possible amount and made special repayments annually.

If you really want a house and can do without this or that at certain times, it works!

I bridged 12 months with parental allowance, then stayed at home for another 12 months on parental leave without income, we still went on vacation, occasionally went out to eat, shopped, and maintained 2 cars. And my husband alone had 2,500 euros net.

I would calmly look around for a property that fits within my budget. Maybe you’ll find one from a private seller and save the realtor’s fee and reduce the need for equity for buying incidental costs.

@fresh

plan now is: finish the master, start planning for children, meanwhile save equity and around 2017 see if something works out. In advance still need a 6 in the lottery

that sounds more reasonable. We saved for >10 years. not strictly.. but consistently. Actually the goal was 40-50% equity. But due to the interest rates we brought the construction forward.

Regards, Steffen