What loan amount is realistic for house construction?

That referred to your question when I paid that...

Oh, okay...

The bank does not care about your wife's income if you buy a house alone. I did it the same way because we have separation of property. Your net income is taken into account, from which flat rates for living expenses are deducted (e.g., also if you have children). Additionally, ongoing obligations (loans, etc.) are considered. Then comes the loan installment, and afterwards there must be a positive household surplus.

And what is all taken into account there? Please a bit more detailed.

It says on page 1, post #4 by Nordanney: 1,400€

It says on page 1, post #4 by Nordanney: 1,400€

I hardly believe there is anything uniform?!

At your age, we also had the dream of owning a house... and what did we do? Saved hard for 10 years*, significantly increased our income, and moved in at 38. Notice something?

Regards, Steffen

*I actually saved for >15 years

Hardly believe there is anything uniform?!

Yes, the flat rates are quite uniform. Cost of living per person, per child, etc. The amount from Nordanney is about right. You can make an appointment, for example, with Interhyp, they will calculate it for you.

I don't remember the exact values, but for me (purchase alone, max loan rate 1000 EUR, house maintenance about 500 EUR per month, two children, some savings and 270 EUR per month for the car) there was ultimately a positive household surplus of about 600 EUR (with a net income of 4300), at least based on the bank's flat rates.