And the next one who wants to know if it works :)

Make your baby, continue saving in parallel, and then go to Bayern Labo with your child

As of now, you would need about 250,000 in credit - at 5% annuity that is almost 1050€ + incidental costs

It is your question what loan you need for your dream house. The next question is, will you manage with the loan and salary after the child.

To get the loan from the bank, it might be more sensible if the woman is still working and the child is not yet there. Otherwise, the family income for 3 people might be too low, especially since [Elterngeld] often does not count.

To get the loan from the bank, it might be more reasonable if the woman is still working and the child is not yet born. Otherwise, the family income for 3 people might be too low, especially since parental allowance often does not count

one is lying to oneself. Or do you think the bank will step in if so much money is lost that you can't keep the house? Several relationships have already failed during construction.

One should make a realistic calculation for oneself starting with family growth. How much do you earn if one works part-time, what does a child cost, what does childcare cost, etc.

just drugstore items like diapers, wet wipes, etc. cost money. Later clothes, shoes

Hello everyone
first of all, many thanks for all your helpful comments, you have helped me a lot.

I will try to calculate very precisely how much money we should have if there is a child.

Only with the real costs for a child I really have difficulty estimating that and since I want to calculate realistically and not sugarcoat anything I don't quite know how to start.

Already the purchases (Kinderwagen, bed, etc.) I can't really grasp how much one has to spend, the range here is also very wide. Then it goes on with the ongoing costs for a child.

The first question is how many

Just the initial purchases (stroller, bed etc.) I really can’t grasp how much you have to spend for that, the range is very wide here. Then it continues with the ongoing costs for a child.

I’d say 1500-5000 one-time.

Then it continues with the ongoing costs for a child.

Less the costs themselves, but how much is left when your wife is on parental leave, or part-time, or.

And of course kindergarten fees; depending on the area, they can be expensive.

To make it simple for you. Banks often assume between 150-300€ for each child.