802k€ for house including additional purchase costs with 600k€ loan - Financeable?

Speaking of envy in a construction forum where almost everyone already owns a house, mostly detached and at least 160-180m2, either shows how out of touch you are or that you really cannot appreciate the value of money.

I understand the OP – he has 210k "lying around," takes care of his finances, receives another 130k from his parents, and has to put up with a few stupid remarks for that. However, the reference to the limited income situation is of course justified – but that can also be done "nicely." And let's be fair: the majority of those who have a 160-180m2 detached house here have a loan – and eventually a house ;)

To talk about envy in a construction forum where almost everyone already owns a house, mostly detached and at least 160-180m2, either shows how out of touch with reality you are or that you really cannot appreciate the value of money.

I think it means less envy regarding the property and more the parental support. Honestly, I can't explain some of the absolutely illogical posts any other way. And whether someone receives a one-time sum from their parents or monthly support might make a difference to the banks, but not to the people who impose their life wisdom on the OP here.
I often wonder where the huge financial injections from the family come from (felt especially with construction projects in southern Germany), but that is absolutely not up for debate here.

Envy as well as the upcoming inheritance are mere theory. Anyone who calculates their house purchase and repayment that way is not entirely sane. But the OP didn’t write that either. Such things can definitely be done without an attachment.

The OP neither wrote that he wants to sell his car nor that he wants to liquidate his entire portfolio. So please don’t sugarcoat anything here.

I think we can agree that €400k as a loan with that income and children is okay. What you get for it remains to be seen.

From my experience with children, I can say that this is comfortably manageable.

Then you just have to read properly. The OP does indeed want to sell his car and is considering the partial liquidation of his depot. In my first version, by the way, no depot is liquidated either. The liquidation I only suggested as an alternative in a further step - which is not "cooked up" in any way.

I often wonder where the huge financial injections from the family come from (especially for construction projects in southern Germany), but that is absolutely not up for debate here.

I can only speak for myself or my environment (I also come from about 40km near Stuttgart). Here, many grandparents had farms with a lot of land. This land has often become building areas. Also, the Swabians are simply frugal (at least the older generation), they hold/held the money together.

Then you just have to read properly. The OP definitely wants to sell his car and is considering partially liquidating his portfolio. In my first version, by the way, no portfolio is liquidated either. The liquidation is, in a further step, merely suggested as an alternative - which is not "sugar-coated" at all.

He wrote that €210k is the entire portfolio and he wants to invest a maximum of €70k. But you know what, I really don’t care whether someone here writes or has written themselves a theoretical construct. I have been paying off my loan for 3 years and know my expenses with school-age children. I don’t have to calculate fictitious numbers to see if it fits or not. …and if everything continues like this, I will be done by 51 years old. Sometimes I should keep on sticking to not commenting on such threads.