What loan amount is realistic/reasonable?

You have 6000 net, and if no more children are added, possibly even more in the future. Assuming you take a maximum of 35% as housing costs, and then deduct 400 monthly for additional costs, I still come to over €1700 with which you could (relatively comfortably) service a loan. Let's assume you want to have the house paid off in 20 years and conservatively calculate with 1.5% p.a. -> roughly €350,000 loan amount. With a term of 25 years, I come to €425,000.

With better offers (interest) or even higher repayments, of course, correspondingly more is possible. Personally, I would aim to have the matter settled by the main earner’s retirement.

Hello, if you continue saving, the land should be paid from the equity. I see a maximum of 400k with you, whether that will be enough for a house ...?

May I ask how you come to this assumption? Given the income/expense situation, I actually don’t see a problem even with a higher capital requirement. At least based on the information provided. The important thing is always: What do you dare to take on in the future in terms of monthly burden? When I see the savings rate (2,900 EUR) and the previous cold rent (800 EUR), it already seems to me there is quite some leeway in the capital service – also for more than 400,000.00 EUR, which HilfeHilfe threw into the ring.

May I ask how you come to this assumption?
Regarding the income/expense situation, I actually see no problem even with higher capital requirements. At least based on the given information.


What is always important is: What do you dare to expect from yourselves in the future, regarding the monthly burden?
When I look at the saving performance (2,900 EUR) and the current cold rent (800 EUR), there seems to be quite some room in the capital service – even for more than 400,000.00 EUR, which HilfeHilfe has thrown into the ring.

gladly!

50 equity with currently 2,900 euros saving performance and 6,000 € net. Net income already great, but targeted saving has only been going on for 17 months (?)?

Therefore preferably finance smaller. I also don’t see 600-700k with that net income.

I was specifically referring to the 400 TEUR that you mentioned. They seem to me, with all due respect, quite arbitrary. Especially considering the presented income/expense situation.

Net income is already great, but targeted saving has only been happening for 17 months (?) ? ...

The savings effort has only been made for a few months due to a recently significantly improved earning situation. Before that, we saved accordingly less. However, we also purchased two vehicles totaling 40,000 EUR in recent years. Therefore, only "50,000 EUR" have come together so far. There were also two parental leave periods that reduced the saving opportunities.

I was specifically referring to the 400 TEUR you threw out there. They seem quite arbitrary to me, with all due respect. Especially considering the presented income/expense situation.

I don't want to do anyone wrong, it was just an assumption due to the short-term saving.

The question is what loan amount is needed.