100% financing - I understand that!

To lighten things up a bit here.
As a homeowner and future father, today I had a nice drink with a buddy (of course with 1.5 meters distance). This doesn’t add any value here, but many posts in this thread don’t either.
Cheers in that sense
Oh yes, everyone should and may do what they consider right, and I certainly won’t justify myself for it!

Justify for what? For 1.5 meters distance?

To lighten things up a bit here.
As a homeowner and future father, I enjoyed a drink today with a buddy (of course with 1.5 meters distance). This doesn’t add any value here, but many posts in this thread don’t either.
In this sense, cheers
Oh yes, everyone should and may do what they think is right, and I certainly won’t justify myself for it!

no problem, democracy also allows not using your brain... cheers!

My wife has a two-minute commute to work and I work remotely most of the time. Therefore, we will share childcare and upbringing accordingly, so that the child will not be in daycare for 8 hours.

I responded just as generally to your very sweeping judgment of the "escape from work." Just to show that it’s nonsense.
But to be more nuanced, I’ll break it down as a and b:

a) It can work with 2x full-time jobs under the right conditions: commute, flexible hours, home office, etc. etc.

b) It can also be the other way around: it doesn’t work. Working hours not flexible enough. More than 40 hours a week because you want to get promoted. Unfavorable commute. Etc. etc.

In a), the kids are normal. In b), you notice that something is missing with the kids.

The parents from a) think their kids turned out well because everything went according to plan.

The parents from b) think their kids turned out well because everything went according to plan.

In one of these cases, the plan was shit!

Educators, teachers, and also the countless volunteers like I once was have to pick up the pieces of b) in childcare (childcare ≠ upbringing, ACTUALLY). Without support from the parents because they did everything right. You can see that because mom and dad are big shots. It couldn’t have been wrong.

No, this is not the only way to misraise children, but unfortunately, we see this branch of privileged neglect more often.

None of this means that you are personally being addressed directly.

But just to explain why my objections come from this one direction.

I just looked up what the average income in Germany looks like. If you consider the original purpose of this thread, namely the question of who may/can/should take out financing for a property from the perspective of this forum, then that only applies to 10% of the population, with a corresponding couple's total net income without children. If the numbers I just read are correct, then either 90% (to put it bluntly) of the population are neglectful parents, or they struggle with the fact that there is no other way. Please tell me, are they neglectful parents? Are they doing what is necessary? Are they greedy for money? Should or may they not have children? Should or may they not try to fulfill the desire for homeownership? Are they simply trying to have a piece of the cake that apparently 10% share among themselves? And now please tear me apart. I can handle it.

I just checked what the average income looks like in Germany.

AVERAGE or MEDIAN income? Huge difference.

I just looked up what the average income in Germany looks like. Considering the original origin of this thread, namely the question of who may/can/should take out financing for a property from the perspective of this forum, then this only applies to 10% of the population, with a corresponding couple's net income without children. If the figures I just read are correct, then either 90% (to put it simply) of the population are neglectful parents, or they struggle with the fact that there is no other way. Please tell me, are they neglectful parents? Do they do what is necessary? Are they greedy? Should or may they not have children? Should or may they not try to fulfill the dream of homeownership? Are they simply trying to have a piece of the cake that apparently 10% share among themselves? And now please tear me apart. I can take it.

Current income is indeed an important parameter, but by far not the only one. What does the consumption behavior look like, how high is the equity capital, whether through independent saving or through gift or inheritance. Is the future home a semi-detached house or a detached single-family house with all the bells and whistles. I therefore find your statement very reduced, which is nonsense from that point of view.