30 years (fixed interest rate) 90% financing realistic?

Parental allowance is tax-free but affects the progression. This consequently leads to additional payments or lower repayments.

no, of course not. But it's not about the total amount, it's about the monthly burden. That depends. It only hits you badly if you have chosen the tax class unfavorably. We both have 4/4 and it only shows itself at most in the tax refund, which then turns out to be a bit smaller.

Yes, sure, but burden is not the same. If one has to finance 600k evenly over 30 years and another only for 15 years, for example, it is a difference.

At the beginning of the year, our little one was born. Yesterday was my first day back at work. Conclusion: You can manage that too!

I have to smile a little at your conclusion after just one day...
You can manage it, but the price is high...

My daughter was 2 years old and I had to go back to full-time work after the separation...

Just wait for the constant illnesses from daycare, when the boss rolls their eyes because you have to take the child to the doctor and you have to find alternative care for the sick child because otherwise you would be absent... Months of sleepless nights because the child is teething or having night terrors... Working while sick because your child infected you at kindergarten with child-killer viruses... Constant time pressure, overtime VS daycare hours, etc...

At least full-time with a small child and without a super supportive employer or grandparents who are always on call is no picnic. After 4 years, I was ready for a spa treatment...

And with such an income and financial burden, there is almost no choice but to return as quickly as possible with as many hours as possible.

Back then I hardly had any other choice... Whether I would put myself through that just for a pile of bricks is something to seriously and carefully consider...

Yes, of course, but burden is not the same. If someone has to finance 600k for 30 years with a fixed rate and someone else only, for example, 15 years, that is a difference.

But it was about assessing the monthly burden. Both are young, so a long credit term doesn’t matter much or is somewhat a matter of taste. Whether the total sum is reasonable ultimately depends on the house – whether it is oversized or not. Usually, you can’t change much about the plot.

I have to smile a bit at your conclusion after just one day ...
It can be managed, but the price is high ...

My daughter was 2 years old and I had to go full-time again after the separation ...

Just wait for the constant illnesses from daycare, when the boss rolls their eyes because you have to take the child to the doctor and you have to find alternative care for the sick child because otherwise you’d be absent ..., months of sleepless nights because the child is teething or has night terrors ... Working while sick because your child infected you at daycare with kid’s killer viruses ... Constant time pressure, overtime VS daycare opening hours, etc. ...

At least full-time with a small child and without a super social employer or grandparents constantly on standby is no picnic. After 4 years I was ready for a spa cure ...

And with such an income and such a financial burden, there is almost no choice but to go back in as soon as possible with as many hours as possible.

Back then, I hardly had any other choice... Whether I would put myself through that just for a pile of stones should be carefully and thoughtfully considered ...

Luckily, it’s not our first child. With my son (almost 5 years old already) I worked full-time... that means 10 hours every day. The employer didn’t even acknowledge that I was breaking myself for him. Since my son didn’t sleep through the night (waking every 2 hours for 30 minutes), after 2 months I was so exhausted you could have put me sleeping in the corner.
Because I was so unhappy with my employer, I looked for a new job. That was a lucky break. Thanks to that, I managed our house construction, the little one and everything around fairly easily in parallel – despite a full-time job. If the child is sick, I could work from home. Grandma is also happy to step in in an emergency. Now with the little one, I have slightly reduced my hours. Everything runs so relaxed. But we’re also lucky that our children are very healthy. I can’t even remember when my son was ever really sick (apart from 2 times vomiting and that was it). Madame has never been sick. I would say that I could also manage well without my husband... financially it would of course be much tighter, but still doable.
So yes, it is doable and doesn’t even have to turn into excessive stress. But you should be somewhat resilient, but well, every mother should be.