What remains to you as a reserve?

It actually has nothing to do with the original question anymore, but still, a brief word on it:

When will the new exterior plaster be done? For our new house probably only when I’m dead :( - like after 40 years

I don’t really believe that – at least I expect it to be sooner. And even if (OT ;)) – in 40 years I hopefully will still be alive... at least that’s the plan.

Everyone can do as they please, but I don’t want to make myself a hostage to my house.

I don’t want that either and won’t do that. That’s why I wrote that it will "hopefully" be the only loan.

Based on gut feeling and my experience with the homeowners’ association management, I would set aside 1,000 to 1,500 EUR per year for an average little house – starting from about the 10th "year of life" of the house. That’s how it is regarding the OP’s question.

Actually, everyone can handle that as they like, that’s no problem. I am just a cautious person. I am still young and don’t know what will happen in 10 years. I have no idea whether our jobs will still be as secure as one might believe now or whether I will still be as healthy and able to work as I am now then. We have a good income now, so we are making provisions now. If 10, 15, or 20 years from now it’s no longer like that, then I don’t have to worry too much because I will have built up enough reserves until then. And yes, I am very conservative in that regard, some might call it prudish – for me this house is my dream of a lifetime and I will do everything to keep living in it for the rest of my life. Whether that actually becomes reality, I don’t know, but at least I’m trying. Accordingly, I want to get my "ducks" in a row as soon as possible.

Regarding the reserves:
I find it difficult to compare calculations because everyone calculates individually and therefore a number has no significance.
What does your total indicate? Is that the remaining money after reserves for car, house repairs, and other replacements individually, or is all of that included in your total?
What about cars 1 or 2, or is there perhaps a company car for which I don’t need a reserve for replacement (excluding job changes)?
How big is the house? A 300m² house also requires different reserves than a 100m² house, and so on.

In advance about us:
We have deliberately kept our rate low (around 2% repayment). At the time of signing the loan, parental leave was imminent and we didn’t know how many hours my wife would work again after parental leave. In general, my monthly calculation includes reserves for the house (300€) as well as a replacement for the car (a company vehicle and 200€ for a second car), for other things, and the budget for the annual vacation. In addition, there should still be a few euros left over. Furthermore, we are currently leaving a freely available capital base of around 10,000€. At the moment, I find this amount sufficient for us.

Since the reserves for the house will not be needed in the first few years, we will put them into special repayments because, in case of emergency, we still have the capital base. I think from year 5 or so we will slowly build up the capital base with the reserves.

I could not specify a fixed monthly reserve. We just do it based on what is left over at the moment. However, we try not to let our permanent reserve fall below €10,000. Everything above that is used for other investments such as car, vacation, or wishes.

Nordanney, here we follow a similar concept. In the first 2 years, no reserves are formed, then we slowly start with it... max 250€ per month. Smaller things are simply paid from the monthly salary.

So in the first few years, we will rather make an extra repayment than start saving money now. One should always have a small stash available, but I do not consider it necessary to set aside a fixed amount monthly in the next 5 years. With a few extra repayments, I will be done in 18-20 years and then I will have my monthly rate as a reserve for repairs and investments.

So far we have been saving €2,500 per month. It is planned to repay the loan with €1,500/month (15 years full repayment including special repayments). Then there would still be €1,000 left as a reserve - what remains to you as a reserve besides the loan installment (we would be very interested!)?

Unfortunately, significantly less remains here, and to be honest, in your case I would take a 10-year full repayment loan. Even with today's interest rates, that still saves a few euros...

Besides the financing, we will still have some more or less illiquid assets remaining. After the purchase, we want to stabilize the daily allowance account as quickly as possible (~ 3 net monthly salaries). Whatever is left should then flow into special repayments. We will only think about further asset accumulation after full repayment.