Which credit burden suits which income - experiences?

I understand well what you want to say.

It is wrong that I am looking for confirmation. Instead of statements like "too low income"/"too high loan amount," I would simply be interested in what from your perspective fits together. You can certainly list a standard package with the costs that everyone usually has to cover. This could then be easily adjusted to infer a rate from one's own financial situation.

I am fully aware that it is difficult or not generally answerable. Maybe my question was also asked a little too provocatively. I just thought that the aforementioned statements, which I have read so often, are not particularly helpful.

Yes and no, a list can definitely be put together. But without touching a single number, that is possible. This is then called a household budget. Example: Does a family have enough with the Opel Corsa paid in cash (from savings) or is the Audi A4 on credit allowed (because nothing is saved)? The difference is 300 to 800 euros monthly expense.

The 40% come from my financing experience and have generally fit quite well in the past. Of course, there are always deviations upwards and downwards.

We ourselves could not afford the 40%, but that is due to our life situation (hohe monatliche Altersvorsorge)

In principle, I agree with toxic. Financing is simply a very individual field and depends on many factors. If you go to a bank, in many cases flat rates are used, and if there is still enough income left over, then you get your financing. For some, that works, for others it would mean ruin. Therefore, general statements like "maximum 40% of income" are good as a guideline but only partially useful.

In my opinion, many threads are not necessarily about pure feasibility, but about addressing things that experts or former builders (simply from experience) might forget or overlook when it comes to financing, and that a potential builder/buyer might not think of. Be it higher costs or losses of income, whatever the reason (the so-called "worst case scenarios"). When a potential builder or buyer asks a question here regarding financing, I assume that he is not sure himself what is feasible or wants tips on what else to consider. Most answers are simply very subjective and dependent on one’s own perception. How high is my own risk tolerance, how secure do I personally feel with the mountain of debt, what am I willing to give for it and what not, and how much am I willing to possibly restrict my life for the house. But these are all personal opinions. If I now tell you that for us the financing rate based on the income at the time was just under 30% (and that was our maximum) and today it is even only 25%, that doesn’t really help you. It suits us, others approach it much more risk-friendly. But it can be that, for example, in a thread half of the respondents come to the conclusion that the financing fits and the other half that it does not. The OP is then required to read selectively and filter out the relevant points for themselves.

I personally have very clear ideas for myself

That’s already good. If the whole thing then also withstands objective checks, then you are on a good path.

Example: Is an Opel Corsa paid in cash (from savings) enough for a family or should it be an Audi A4 on credit (because nothing is saved)? The difference is 300 to 800 euros monthly expense.

That’s what I meant, to take into account the individual situation on the basis of a "universal list" that includes groceries, household insurance, etc., here a car on credit, which accordingly affects the monthly installments.

There is no universally valid list. At least not in detail.

Your list is called: CONSIDER ALL expenses, whether monthly, quarterly, annually, multi-yearly or or or...