Would you make this financing?

We have only planned for one salary - but that is mine. If that disappears, then the whole thing is screwed.

That’s what I meant - which in the end isn’t much different. If you really need both salaries for the construction, then the risk is of course higher...

We have only planned for one salary - but that is mine. If that disappears, then the whole thing is over.

If one person obviously earns significantly more than the other, then this kind of planning probably doesn’t make much sense, I agree with you!

In the case of the OP, however, the wife earns a little more..

For us, it’s only a small salary difference, so either one of us can cover the payment alone, and that certainty lets us sleep very well.

I thought the 'standard case' is that you plan so that even a salary would be sufficient in an emergency. Personally, anything else would be too much risk for me.

I thought the 'standard case' is to plan so that a salary alone would suffice if necessary. Personally, anything else would be too risky for me.

That is only feasible if both earn roughly the same or if one earns much more. I earn in a month what my wife earns in a year. If my salary stops... it's over as well. Alternatively, we shouldn't even be building. Our "target repayment" is between 3500-5000 EUR per month. My wife earns ~1400 EUR. That really doesn't add up.

Then our dream has come true! Yippee..

You are also only planning with your salary. I think, if you have a good income, that usually means you are not undesirable in the job market, right? So the risk of job loss is usually not infinitely large. Still a completely different matter than if both salaries are planned for 25 years, that’s what I wanted to get at.