What kind of house is suitable for us?

@Curly I just wanted to know what I can afford with our net income. As it looks right now, too little. We are still young and saving for 10 years and building at 35 doesn't seem so bad to me. We have first decided to continue saving 1000 euros monthly and to rise higher in our salary classes first. We want to save that long and wait to build until the child(ren) are old enough. Therefore, we are looking at a 4-room apartment today that has 20 sqm more than our current one and costs 420 euros cold (40 euros more) per month. In return, it has a soapstone fireplace, renovated in 2007, covered balcony, basement, garage, solar system, and 90 sqm living space.

Whether you want to do it now or continue to throw money to the landlord I cannot judge.

250,000 should be feasible (6% / 4% interest + 2% repayment) 1,250 € per month, repayment 20 years.

Well, as stingy as I am, I already find 420 euros expensive :D.

So today we are looking at a 4-room apartment that is a whole 20sqm larger than our current one and costs 420 euros cold (40 euros more) per month. It has a fireplace with soapstone, renovated in 2007, a covered balcony, cellar, garage, solar system, and 90sqm of living space.